> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What is the average processing time for loan applications after I submit my application?

On average, PADS underwriters take around 24-48 hours to provide you with an answer from the time you submit your loan application.