diff --git a/bashi-dk/src/main/java/com/bashi/dk/service/impl/BorrowServiceImpl.java b/bashi-dk/src/main/java/com/bashi/dk/service/impl/BorrowServiceImpl.java
index dde41d6..b61d248 100644
--- a/bashi-dk/src/main/java/com/bashi/dk/service/impl/BorrowServiceImpl.java
+++ b/bashi-dk/src/main/java/com/bashi/dk/service/impl/BorrowServiceImpl.java
@@ -57,27 +57,26 @@ public class BorrowServiceImpl extends ServiceImpl<BorrowMapper, Borrow> impleme
     @Autowired
     private RedissonClient redissonClient;
 
-
     @Override
     public Borrow borrow(BorrowStartReq req) {
-        Customer customer = customerService.getById(req.getCustomerId());
         CustomerInfo customerInfo = customerInfoService.getByCustomerId(req.getCustomerId());
-        if(customerInfo == null || customer == null){
+        if(customerInfo == null){
             throw new CustomException("用户不存在");
         }
-        if(customer.getLoansFlag() == 1){
-            throw new CustomException("请等待上一次贷款完结后在发起贷款");
-        }
-        if(customer.getRealNameAuth() != 1){
-            throw new CustomException("请补全个人资料后在发起贷款");
-        }
         RLock lock = redissonClient.getLock("borrow:lock:" + req.getCustomerId());
         if(lock.isLocked()){
             throw new CustomException("点击太快了，请稍等");
         }
-        lock.lock(5, TimeUnit.SECONDS);
+        lock.lock(10, TimeUnit.SECONDS);
         Borrow borrow;
         try {
+            Customer customer = customerService.getById(req.getCustomerId());
+            if(customer.getLoansFlag() == 1){
+                throw new CustomException("请等待上一次贷款完结后在发起贷款");
+            }
+            if(customer.getRealNameAuth() != 1){
+                throw new CustomException("请补全个人资料后在发起贷款");
+            }
             LoansSetting loansSetting = loansSettingService.getLoansSetting();
             CalLoanReq calLoanReq = new CalLoanReq();
             calLoanReq.setTotalLoanMoney(req.getTotalLoanMoney());