Should it take more than 2 hours for the finance department to contact me?

My fiance's friend owns the dealership. For the past 2 weeks I've been saving $ for the down payment, and he keeps telling me "your car is ready, bring the down payment". Well it is now 5pm, at 3 they started the loan requests through the banks. Should it take this long?

Answers:
Auto finance is what I do for a living and from what you have said they did not even submit you until you went to the dealership.

The submission process today is all computerized and should not really take that long. Providing that the finance manager knows what they are doing.

At that hour all of the banks are open and it's just a matter of waiting for them to respond.
It could take some time...even a day or 3. Depends on how quick they work or how quick responses come in.

You may want to consider increasing your income for the next time.so you can use the 'one-payment' plan.

You can do it!
Unless your income and or credit are questionable for the loan you want, it shouldn't take any time at all. The bank I work for has agreements with all the local dealers that allows the dealer to approve loans that meet predefined criteria. The means if your FICO score is at least X and your income is at least $Y, you were approved before you ever stepped foot on the lot.
not long

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