He can apply for a loan and give all his info during his lunch hour but it takes a lot longer to actually get the loan. Usually takes a day or two maybe three to actually get a check after you apply. They take down all your infomation, like your job, how long you worked there, how much you make, do you own you own home, married, how much you want to barrow ect ect.... Then they have to send it away to the underwriters.
Then the loan officer will put all this into there computer and shake your hand and tell you they will give you a call later in the day or maybe tomorrow to let you know if your accepted or rejected. If accepted they will let you know the guidelines, what the interest rate will be, how long they will give you to pay it back and how much the payments will be.
Basically the loan officer submits your info to another division at the bank called the underwriters and they work with all the info to see if you would be a good risk to loan money to and for what percent interest rate. Bad credit high interest rate, good credit good interest rate. Like I said they can usually tell you later on that day or the next day once the underwriters are done figuring it all out. Once they tell you you have been accepted you decide if you want to go ahead with the loan with their requirements like interest rate and payment amount. If you decide to do the loan, they will issue you a check, this usually takes a few hours to a day to get a check issued
So in all most of the time it takes 2-3 days from the time you apply for the loan till you get a check if accepted.
I have gotten two bank loans in the last 2 years for cars,one for my wifes car and one for my car. One bank was Chase bank and the other Regions bank, both big multistate banks with hundreds of branchs and it was the same process both times.
Experienced at getting bank car loans.