How fast can I get a vehicle loan decision?

by PixelSpoke

You can fill out your application in 15-30 minutes. We usually make decisions within 24 hours or less. Final approval depends on how quickly you can get us the documents we need.

To make your application process faster, please have the following documents on hand:

  • Identification: Valid driver’s license, state ID, passport, or military ID
  • Social Security card or ITIN documentation
  • Proof of income: Recent pay stubs (last 30 days), W-2 forms, or tax returns
  • Proof of residence: Utility bill, lease agreement, or mortgage statement (within 60 days)
  • Bank statements: Last 2-3 months showing account activity
  • Employment verification: Contact information for your employer or offer letter if recently hired
  • Down payment funds: Proof of available funds if making a down payment
  • Vehicle information: VIN, purchase price, and seller details (once a vehicle is selected)
  • Trade-in documentation: Title and registration if trading in a vehicle
  • Proof of insurance: Insurance binder or policy declaration page