Takes few mins to get an answer if you’ve been accepted or not then you have to go to the clinic to sign the forms takes few mins then its done. How much you pay back each month depends you can pay it back over 1,2,3 or 4 years over 1 or 2 years its interest free over 3 or 4 you pay interest. But you can make over payments nd pay it back quicker than you orignally agree if you want to. They tell you how much your monthly payments will be before you make the application xx