Loan delays usually come from missing documents, credit checks, or lender backlogs.
Common causes
- Missing paperwork
- Slow credit checks
- Income verification
- High demand
1. Missing paperwork
One missing document stalls everything.
Quick fixes:
- Check your email for requests
- Upload documents again if needed
2. Income verification
Lenders double‑check your affordability.
Quick fixes:
- Provide recent payslips
- Ensure bank statements are clear
3. High demand
Busy periods slow approvals.
Quick fixes:
- Follow up politely after 3–5 days
What to try first
Check for emails asking for extra documents.
When to call the lender
If you’ve heard nothing for over a week.