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Choose the loan with the best monthly payment and interest rate for your budget. Be sure to look at how much the loan will cost you over the full length of the term and decide if the cost is worth it. Submit a formal application. Have your social security number on hand, click well as supporting documents such as bank statements secured loan car collateral paystubs.

Wait for final approval. This could take just a few minutes, an hour or up to 10 days.