Most people don’t have very much time to spend getting a car loan. If you don’t have much time to get the loan that you need to buy your new vehicle, there are several things you can do that will help you get your car loan fast.

Regardless of your credit score or credit history, here are some tips you can use to save time:

1) Gather up all your paperwork. You will need a paystub to prove your income. You will also need a recent electric, cable, or phone bill to prove your residence. Paperwork will be required if you have problems with your credit like bankruptcy or collections. If you have issues resulting from a messy divorce, bring that paperwork too. Collect all this paperwork in an envelope or file and take it when you go to lender’s office. Otherwise, you will waste time making more than one trip.

2) Most likely, you will be required to provide three or more personal references when you apply for an auto loan. Your personal references should be relatives or friends who do not live with you. Write down their names, addresses, and phone numbers ahead of time so that you won’t have to spend time on this as you fill out your loan application.

3) Most lenders will verify your employment by calling your office manager, boss, or your company’s human resources department. If you tell whomever is in charge of employment verification that an auto lender is going to call them, they will be able to quickly provide accurate information to the bank.

4) If you have a trade-in, you should find out the exact payoff amount rather than estimate it. Many people estimate their payoff, which either costs them more money or wastes more time. When you estimate your payoff, the lender may calculate your interest rate as if it were the actual payoff. If the exact payoff amount is lower than your estimate, your interest rate will be higher than it could have been. If your lender approves you for a loan amount that is based on your estimated payoff, you will have to be re-approved if the actual payoff is significantly higher. Finding out the exact payoff amount before you apply for a new loan could save you time or money.

5) It is important that you complete your credit application as accurately and truthful as possible. If you are required to provide former employers, former residences, etc., accuracy helps your application to be processed faster. The lender will most likely know if you lie on your credit application and then check on every aspect or your credit, which will slow down your application approval significantly. However, lying may also cause your application to be turned-down completely.

Next time you apply for a car, follow these five tips for fast and efficient car loan processing.