* Loan Applications and Registrations For Check Cashing submitted after normal business hours will be responded to the next business morning. In most instances, the approval and funding process for a payday loan / cash advance usually can be completed in 20 minutes or less. The Check Cashing process can be completed in 10 minutes or less. The approval and funding process for an Auto Title Loan can usually be completed in 24 hours or less. Some exceptions may occur, based on the information required.