How long does the application process take? Eva June 04, 2019 21:00 Updated Less than 10 minutes. Related articles If a student doesn’t qualify, can they re-apply with a co-borrower? Does applying for a Climb loan negatively affect the applicant’s credit score? Can a student pay off their loan early? How long does it take to get approved for a loan? What payment options are provided? Comments 0 comments Article is closed for comments.