Modern dealer finance systems allow staff to submit your details to multiple lenders quickly. If your credit profile is straightforward, decisions can come back within minutes, although some lenders will take longer or ask for extra documents.
Assuming the car is already prepared, you have signed the finance agreement, and your insurance is in place, it can be possible to drive away the same or next day. If a fresh MOT, service or repairs are required, collection is more likely to be a day or two later.
To avoid delays, bring your driving licence, proof of address and income, and details of any part-exchange or deposit on your first visit.
This page is neutral and factual. It is not legal or financial advice; always confirm details with the dealer and finance provider.