When you’ve found the perfect car, the last thing you want is to wait weeks for approval. So how long does it actually take to get car finance? The truth is, it depends on a few factors — but with carloans365, the process is designed to be quick, simple, and stress-free.

Typical approval timeframes
In many cases, you can receive a decision within 24 to 48 hours of applying. Some customers are even approved on the same day. However, complex applications or missing information can slow things down.

What affects approval speed?

• Credit history: Stronger credit profiles may get instant approvals.
• Affordability checks: Lenders assess your income and outgoings.
• Documentation: Missing or incorrect documents can delay approval.

How to speed up your application
To ensure things move smoothly:

Have your ID, proof of address, and payslips ready.

Double-check all information before submitting.

Work with a trusted broker like carloans365, who can liaise directly with lenders on your behalf.

What happens after approval?
Once approved, your lender will issue the finance agreement for you to sign. After that, funds are released to the dealer, and you can collect your car — often within just a few days.

Final thoughts
Getting car finance doesn’t have to be a long process. With the right preparation and the support of carloans365, you can go from application to approval in no time.