The time it takes to get approved for a car loan depends on a few different things. After you apply and we conduct a soft credit check, we’ll look to find a lender on our panel that can approve you in principle, which could happen in minutes. This doesn’t guarantee that we’ll be able to help though as your approval depends on your individual circumstances, further documentation, the vehicle you’re looking to buy, and the lender’s criteria. Your account manager will give you a call as soon as they can to discuss your options. Get a quote to find out more. Rates from 6.9% Representative APR 24.9%.