This is Lincoln Bank , Consumer Credit Department . How can I help you ?   Ah , hello . I'm calling to find out how I apply for a car loan .   We offer a Personal Automobile Consumer Loan . The application process is pretty straight forward . I trust you have enough funds to cover the 20 % down payment ?   Yes , I do . It's ready and waiting in my account .   The next step is for us to recommend a dealer to you , who are already contracted to us , so ...   Could I just stop you there ? Sorry to interrupt , but I have already been to your appointed dealer and selected the car I want .   That will certainly cut down the processing time . We can move on to the next step . Do you have the purchase price ?   Yes , it's 110,000 RIB . So , with the down payment done , I will need to borrow 70,000 RIB .   What we need you to do next is to come into the branch with a correctly filled in application form , ID card , proof of residency , proof of income , the agreement from the agent and of course the 20 % down payment .   Yes , I have everything here . OK , I'll come in and see you later today . Maybe I could have my new car as early as next week ! How exciting ! 