Because the vehicle mortgage loan process is simple, it usually takes 1-2 days to receive the loan. The process of a vehicle mortgage loan is as follows: 1. First, the borrower must submit a loan application to the lending institution and provide the lending institution with supporting materials such as his or her ID card, driver's license, and car purchase contract; 2. Then the lending institution will review the borrower's qualifications, the value of the vehicle will also be assessed and the loan amount will be predetermined; 3. If there are no problems, the lending institution and the borrower will sign a loan contract and issue the loan, and the borrower will deposit the vehicle driving license to the lending institution. That's it; 4. The vehicle mortgage loan needs to be repaid regularly every month. If it is not repaid for a long time, the lending institution has reason to dispose of the vehicle itself.