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It will surely help him or her in reducing the time of the loan approval. You are approved for the loan amount for its repayment in one year to 15 years, depending on the loan amount and your credit rating. Same day loans for people on benefits are short term loans, usually required to be repaid within four weeks. This usually only affects auto loans that happens to be expressed by buy here, pay here auto lots, but may affect an auto loan produced by a sub-prime lender.