I'm sure it will count. When your application is approved, you will get money. As soon as the money arrives, it will be paid out from the account on the platform, and you will start to calculate interest immediately. If you need it urgently, you can borrow it, but you'd better return it as soon as possible, otherwise the interest will be high and you may lose everything for a long time. In short, try not to borrow money from these online lending platforms!