This is Lincoln Bank , Consumer Credit Department . How can I help you ?
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user
Ah , hello . I'm calling to find out how I apply for a car loan .
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assistant
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 ?
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user
Yes , I do . It's ready and waiting in my account .
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assistant
The next step is for us to recommend a dealer to you , who are already contracted to us , so ...
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user
Could I just stop you there ? Sorry to interrupt , but I have already been to your appointed dealer and selected the car I want .
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assistant
That will certainly cut down the processing time . We can move on to the next step . Do you have the purchase price ?
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user
Yes , it's 110,000 RIB . So , with the down payment done , I will need to borrow 70,000 RIB .
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assistant
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 .
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user
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 !
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assistant