{"id":204421,"date":"2019-06-23T11:38:42","date_gmt":"2019-06-23T10:38:42","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=204421"},"modified":"2026-01-29T03:21:17","modified_gmt":"2026-01-29T03:21:17","slug":"car-loan-approval-time","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-loans\/car-loan-approval-time","title":{"rendered":"How long does it take to get approved for a car loan?"},"content":{"rendered":"<div id=\"compare\"><style>\r\n.hero-rates__rates > header > a { margin: 0px auto 5px; }\r\n.hero-rates__rates .hero-rates__header { max-width: 95%; margin-left: auto; margin-right: auto; }\r\n@media screen and (max-width: 600px) {\r\n.hero-rates__rates > header > a { max-width: 240px; }\r\n\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n\r\n}\r\n.hero-rates__description>ul.list-10, .hero-rates__description>ul.list-1, .hero-rates__description h3.hero-rates__offer { display: block; }\r\n\r\n<\/style>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<article id=\"ukfeatureproduct\" class=\"hero-rates uk-hero-rates\" style=\"max-width: 42rem; margin: 0 auto 20px; min-height: 0px; \">\r\n\r\n<div class=\"hero-rates__content\">\r\n<section class=\"hero-rates__rates\" style=\"flex-shrink: 0;\">\r\n  \r\n<header class=\"hero-rates__header has-margin-top-xsmall\">\r\n\r\n<\/header>\r\n  \r\n<\/section>\r\n\r\n<section class=\"hero-rates__description\">\r\n\r\n<h3 class=\"hero-rates__offer\">\r\nCompare car finance quotes with Zuto\r\n\r\n<\/h3>\r\n      \r\n\r\n\r\n\r\n<ul class=\"list-1\" style=\"max-width: 95%;\">\r\n<li>Quotes won't affect your credit score\r<\/li><li>For good or bad credit histories \r<\/li><li>Fast loans with no hidden costs<\/li>\r\n\r\n<\/ul>\r\n\r\n\r\n\r\n\r\n<\/section>\r\n\r\n<section class=\"hero-rates__cta\">\r\n  \r\n<div class=\"applylinks UKFCL has-margin-top-xsmall\">\r\n\r\n<a class=\"luna-button luna-button--success luna-button--cta luna-button--large has-margin-bottom-xsmall\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/car-loans\/car-loan-finder-powered-by-zuto.html?nb=1&src_country=uk&redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%2263f0b047-69be-45cf-8d33-9ed1e8c8f5dc%22%2C%22product_name%22%3A%22Car%2BLoan%2BFinder%2Bpowered%2Bby%2BZuto%22%2C%22offer_id%22%3A%227291%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_DEFAULT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFCL%22%2C%22post_id%22%3A%22204421%22%2C%22post_path%22%3A%22car-loans%252Fcar-loan-approval-time%22%2C%22post_country%22%3A%22uk%22%7D\">\r\nGo to site\r\n\r\n<\/a>\r\n<br>\r\n\r\n\r\n  \r\n  \r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<\/div>\r\n\r\n<\/section>\r\n\r\n\r\n  \r\n<\/div>\r\n  \r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<\/article> <article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block text-center\"><p><strong>Warning:<\/strong> late repayments can cause you serious money problems. See our <a href=\"https:\/\/www.finder.com\/uk\/debt\" class=\"fin-text-navy\">debt help<\/a> guides.<\/p><\/div><\/article><\/div><h3>How long does it take to get approved for a car loan?<\/h3><p>It can take as little as a few seconds and as long as a few days to get approved for a car loan. How long it takes depends on several factors. These include what type of lender it is, your personal finances and the type of car you&#8217;re interested in buying.<\/p><h4 id=\"times\">How long the top providers take to approve a car loan<\/h4><table class=\"luna-table luna-table--responsiveList\" width=\"789\" height=\"101\"><thead class=\"luna-table__header\"><tr><th>Lender<\/th><th>How long is the approval process?<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Novuna (formerly Hitachi)<\/td><td>Novuna will make an instant decision on your application and the <span>funds could <\/span><span>be in your account within 48 hours.<\/span><\/td><\/tr><tr><td>Santander<\/td><td>You can expect a decision on your car loan within two working days.<\/td><\/tr><tr><td>Creation<\/td><td><span>Creation makes an instant decision on your application and the funds can be with you within five<\/span><span> working days, following the lender&#8217;s receipt of a signed loan agreement.<\/span><\/td><\/tr><tr><td>Moneybarn<\/td><td>You&#8217;ll receive the results of a soft credit check instantly. If you pass, a member of staff will call to discuss your application on the next working day. You&#8217;ll be asked to send documents to confirm your identity and financial situation. Once these are sent, you can expect to receive funds within two to three working days.<\/td><\/tr><tr><\/tbody><\/table><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><h3>How long does the car loan application process take?<\/h3><p>It depends on the lender you choose to apply with, the amount you need to borrow and your creditworthiness. Here&#8217;s an idea of how long to expect for each step in the application process:<\/p><ul class=\"list-10\"><li><b>Submitting your application.<span> <\/span><\/b>It usually only takes 10\u201315 minutes to complete an online application. However, if you have to visit a lender&#8217;s office to apply in person, it could take longer.<\/li><li><strong>Immediate response.<span> <\/span><\/strong>Some lenders offer instant pre-approval after you submit your application. Those that don&#8217;t could take a few days to get back to you.<\/li><li><strong>Full approval.<span> <\/span><\/strong>The turnaround time for full approval differs, as you can<span> <\/span>see from the table above.<\/li><li><strong>Loan funding.<span> <\/span><\/strong>After receiving full approval from your lender, you can generally expect to receive your funds within one to three business days. However, it&#8217;s best to confirm the specific timing with your lender.<\/li><\/ul><h4>How long does it take to get pre-approved for a car loan?<\/h4><p>Car loan pre-approval generally takes the same amount of time as getting approved \u2013 sometimes a few seconds, sometimes a few days. Car loan<span> <\/span>pre-approval is a way to lock in rates<span> <\/span>with a lender before signing the paperwork so you have time to shop around. This gives you the ability to negotiate down your price and determine exactly how much you need to borrow.<\/p><p>Pre-approval generally involves a hard credit check, which briefly lowers your credit score. And you need to submit documents verifying your income, residency and other aspects of your application.<\/p><p><span>Banks and credit unions tend to take longer than online lenders, while <\/span><a href=\"https:\/\/www.finder.com\/uk\/car-loans\">dealerships are often faster than lenders<\/a><span>. If you need to provide more documents than usual to verify your identity or income, it could also slow the process down. Buying from a private seller rather than a dealership can also take longer.<\/span><\/p><h3>What can slow down my application?<\/h3><p>If you want to have your loan in hand quickly, avoid these three pitfalls when submitting your application:<\/p><ul class=\"list-3\"><li><h4>Not submitting all required documents<\/h4><p>Lenders can only fully approve your loan once all the required documents have been received. If yours is waiting on proof of income or residence, it could hold up your application. To speed up the process, check which documents are required and have them on hand before you apply.<\/li><li><h4>Applying late in the day<\/h4><p>Some lenders can offer same-day approval if you apply by a certain time, usually by the end of the business day. If you apply outside of business hours or on the weekend, your application may fall to the back of the queue.<\/li><li><h4>Not providing enough info about your vehicle<\/h4><p>This is especially important if you&#8217;re purchasing a used car, as some lenders have year and mileage limits. If you&#8217;ve already been pre-approved and have found a car, have the dealer send the car&#8217;s info to your lender immediately so it can finalise your loan.<\/li><li><h4>Not checking if you qualify<\/h4><p>Getting rejected for a car loan can slow down the whole process. Make sure you&#8217;re eligible before you apply for a car loan by checking your lender&#8217;s minimum income requirements, credit score and vehicle standards.<\/li><\/ul><h3>Other factors to consider when getting a car loan<\/h3><ul class=\"list-10\"><li><strong>APR.<\/strong><span> <\/span>Your annual percentage rate (APR) includes both interest and fees. It&#8217;s the easiest way to compare the cost of car loans with similar terms.<\/li><li><strong>Down payment.<\/strong><span> <\/span>Lenders generally recommend that you make at least a 20% down payment on your car to offset the cost of financing.<\/li><li><strong>Loan term.<\/strong><span> <\/span>Go for the shortest loan term you can afford to save on interest.<\/li><li><strong>Availability.<\/strong><span> <\/span>Many lenders have restrictions on which cars they&#8217;ll work with. Make sure yours can finance that vehicle you&#8217;ve had your eye on.<\/li><\/ul><h3>Bottom line<\/h3><p>A quick turnaround from a lender will get you in the driver&#8217;s seat faster. Provided you submit all of your documentation and apply during business hours, there are plenty of lenders that can process your application within just a few days.<\/p><p>Want to compare other options? <a href=\"https:\/\/www.finder.com\/uk\/car-loans\">Browse our guide to car loans<\/a> to learn more about how they work and what else to look for in a lender.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is there a difference between pre-approval and full approval? <\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Pre-approval can be done quickly, usually the same day you apply, and gives you an idea of the loan you might qualify for. It doesn&#8217;t mean that you&#8217;re guaranteed to be approved for a car loan, though. Your lender will still need to underwrite your application, check your documents and confirm the car you&#8217;re buying before you can be fully approved.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How long will I have to look for a car after being pre-approved?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p><span>Many lenders give you anywhere from 30 to 60 days to shop around for the car you want. Your final interest rate, loan term and loan amount will depend on the vehicle you choose.<\/span><\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Does pre-approval guarantee a car loan?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It can, barring any significant changes to your personal finances before signing the paperwork. Unlike pre-qualifying for a car loan, pre-approval involves the same steps you would take when getting approved for a car loan that you sign off on right away.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Which documents will I need to submit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Although it varies by lender, you&#8217;ll usually need to submit at least one of the following:<\/p><ul class=\"list-10\"><li><b>Proof of identity.<\/b>Your driver&#8217;s licence, passport or other government-issued ID should all work fine.<\/li><li><b>Proof of income.<\/b>This can include bank statements, pay stubs or tax returns. If you&#8217;re unemployed, your lender may request to see proof of your benefits and monthly income.<\/li><li><strong>Proof of residence.<\/strong> Either your lease agreement, mortgage statement or utility bill can be used to prove where you live.<\/li><li><b>Proof of employment.<\/b> Providing the name of your employer and its contact information should be enough. Your lender may then contact your employer as confirmation.<\/li><\/ul><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out what to expect when applying for a car loan and get yourself on the road faster.<\/p>\n","protected":false},"author":195,"featured_media":204422,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":null,"blockTemplateId":"","_post_hreflang":"","related_url":"\/car-loan-approval-time","workflow-intro":"","workflow-faq":"","workflow-conclusion":"","workflow-benefits":"","workflow-overview":"","workflow-test":"","footnotes":""},"categories":[2633],"tags":[],"asset_tag":[],"class_list":["post-204421","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-loans"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How long does it take to be approved for a car loan? | Finder UK<\/title>\n<meta name=\"description\" content=\"Compare car loan approval times from top lenders. 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