Before all the economic turmoil and craziness I had entered into my account no trade, payment in full (cash) for my MY. That was a while ago and a lot of things have changed since, so when I finally got a VIN and MVPA earlier this week (Mon), I tried to contact my DA via e-mail but crickets. Late Tues afternoon I reached out to my local SC and got somebody there to reset the payment on my account so I could apply for a loan instead, to hold onto some of that cash for rainy day fund until things settle down. I submitted my loan application early Tues evening and once again, crickets, nothing yet, no credit inquiries and no change in loan apply status in account, no e-mails or texts (par for course for me). My account page is still showing: Credit Decision Pending - Your credit application has been received. We will contact you with the credit decision and terms. Questions: I was led to believe that this was pretty quick, usually 24 hrs or less. Is that the case? Or is it slower now due to big end of Q2 push and they have a lot more applications? I want to get this set up before my MY actually arrives, so wondering how much longer should I wait before I should contact them to see what is going on. Thx.