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How long can it take to get a car loan?

I want to buy a new car for my daughter’s birthday but I waited until the last minute and I’m worried I won’t get the loan in time. How long will it take me to get a car loan?

avatar
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Once you start your application, getting a car loan takes about a week. The application itself should take about 15 minutes to fill out. Then, you’ll need to wait for your lender to get back to you. Some lenders will respond to applications within the hour; others may take a few business days to respond. If you’re approved, you should receive the money within one to three business days after signing the paperwork.
However, this time estimate doesn’t include the work you need to do aside from the application, including:
You should always get quotes from multiple lenders to make sure that you’re getting the best terms and rates available. This process could take days or weeks depending on how thoroughly you decide to search.
Shopping for the best loan terms can be exhausting, but shopping for car insurance rates doesn’t have to be. Just use
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