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!