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How long does car finance take?
Often within a day or two. Many applications get an indicative answer the same day once your income and ID documents are in.
By Fair Finance·Updated 9 July 2026
Car finance can move quickly. Getting matched with a lender takes just a few minutes after you apply. From there, many people get an indicative answer the same day or the next.
How fast the full loan settles depends on a few things:
- How quickly you send your documents, like ID and proof of income
- Whether the car is chosen yet
- The lender's checks and the car details
Having your paperwork ready is the biggest thing you control. When documents are organised, the whole process is often done within a couple of business days.
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