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Essential Documents for Car Financing

When you’re in the market to finance a car, the last thing you want is to be turned away because you don’t have the proper documentation. Both in person dealer purchases and online lenders will require the following personal documentation in order to approve an auto loan.

Consider obtaining and bringing along these basic documents in order to qualify for new or used car financing…

1. Proof of identity

If you are seeking financing through a dealer or via a new banking institution, you will need proof that you are who you claim you are. Thankfully, if the loan is being obtained through an institution you currently bank with, they will already have your personal identification on record. To provide proper identification you will need a form of photo identification with your signature (i.e., license or passport).

2. Proof of address

Yes, proof of residence is also required if you are applying for car financing. Proof of residence can be provided to a lender in the form of a utility bill (i.e., hydro, gas, water) as long as it’s addressed to your name and current home address on your photo identification.

3. Proof of assets

In addition to showing you pay your utility bills on time, your lender may require proof of assets in the form of savings (i.e., bank statements and investments) as well as titles to your home and other vehicles.

4. Proof of income

A stable income is obviously attractive to any lender offering up a car loan. You can provide proof of income in copies of your bank statements or pay stubs. A letter from your current employer to verify your salary and job history may also suffice as proof of steady income.

5. Proof of insurance

Lastly, in order to secure a car loan, most lenders will expect you to produce proof of insurance prior to your vehicle purchase. To expedite the process, you can get a mortgage pre-approval through your current insurance provider.to take with you along to the dealership.

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