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) Collect all the necessary paperwork. Be sure to include a paystub, which will prove your income. A recent electric, phone, or cable bill should be included to show your residence. If you have filed bankruptcy and/or have collections or other credit issues, find all that paperwork as well. The last thing you must be sure to do is to include any paperwork dealing with problems arising from a messy divorce. All of this paperwork should be gathered together and taken with you when you go to see a lender to prevent you from having to make several trips.

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, find out your exact payoff. Many times when people apply for an auto loan, they estimate their trade-in payoff. The trouble with estimating your payoff is that your new lender may use your estimate as an exact value. If your payoff is actually substantially higher than you estimated, your loan may need to be re-approved for a higher amount. If your payoff is lower than you estimated, your interest rate might be higher than it should be. Save everyone some time (and yourself some money) and find out your exact payoff before you apply for a new loan.

5) Make sure you're as truthful and accurate as possible. When you complete your credit application, you may need to list former residences, former employers, etc. If you accurately list all this information, your application will be processed quickly. Also, if you lie about some aspect of your credit, there's a good chance the auto lender will find out. At best, this will slow down your application considerably as the lender checks every aspect of your credit. At worst, your application will be turned-down.

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