Mine was nowhere near that bad. It took 10 minutes with my bank to get pre-approved. Then I went to the dealer, found what I wanted, and negotiated. Yes, it took maybe 2 hours total. Beware if you buy it in another state and transport it to AZ, they can make you pay AZ and local taxes if you don't leave it in the state of purchase for 3+ months. We've looked into buying in Montana (no sales tax) and leaving it at a family address for 3+ months, then driving it to AZ and registering here. Also, at least Wisconsin has cheap registration. When I was in high school it was something like $45. In AZ and Montana, it's based on the value of the vehicle, so a new car can be near $1000/year