Our credit decision is instant for anything under $10,000. If you have entered all of your information correctly and accurately on the initial application, you will know quickly if you are approved. If you have a consumer statement on your credit report you will need to call in to verbally allow a credit analyst to pull your personal credit. If the amount being applied for is greater than $10,000, it will take between 1-4 hours to have a credit decision. In most cases we respond same day or next business day. The time it takes to get a credit decision depends on the time of day the application is submitted and how many other applications are in line to be reviewed.