Securing a bad credit car finance plan will depend on multiple factors, including the lenders you're using to get the finance plan and the dealership or outlet from which you're buying the car.  If the place where you're buying the car is also the same place where you're getting the finance plan from, then you can expect the process to be a lot quicker than if you're using a third-party lender to get the funds to purchase a car.  If everything is in order, it's possible to get your bad credit car finance plan finalised and sorted within 24 hours. However, if more information is required, the process could take up to two weeks. Due to this massive difference between timeframes, it's a good idea to apply for car finance and give yourself plenty of time in case the process becomes drawn out and long.