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Disclaimer . The views expressed by this author don't necessarily reflect the opinions of Lazerloan.com, it's owners, or it's affliates. Complete your application process: The application process goes online on the lender's website. The first step is to fill out a loan form, which usually takes about 10 to 15 minutes. After that his application is reviewed by the lenders. The borrower is informed about the loan approval on phone and the loan sum goes straight to the borrower's account within the next 24 hours.