It usually just takes seconds from an application being sent in to the first loan bids arriving. From that to a paid out loan, depends on which lender or bank you choose and how you sign the loan agreement. There are two ways to sign it: Physical signing of the agreement papers – You receive the loan agreement in the mail, sign it and send it back to the lender. In general it takes 2-5 work days from the day that the lender has received your signed agreement to a paid out loan. Link to the loan agreement– You can choose to do it online, by opening a link to the loan agreement and sign it through BankID. The loan will be transferred to your personal account or you will receive a withdrawal slip that you can take to your personal bank.