What Documents Should I Bring? 


 

If you want to test drive a car and get a quote: In most cases, all you need to test drive a car is a valid driver’s license.

 

If you want to get approved for a loan: you should bring your license, a current pay stub (if you have more than one job, bring those stubs too), and proof of residence, such as a utility bill. It helps to bring more than one utility bill, or a cell phone bill, as a backup document.

 

If you want to sign all the paperwork and drive away in your new car: you should bring all the items mentioned above, along with your insurance card. In addition, you will need to provide the appropriate information for your trade-in, if you have one. If you own the car outright, you’ll need to bring the title of ownership. If you are still paying the vehicle off, you should call your bank beforehand and get documentation of the exact payoff amount. Bring any information on your current loan to the dealership so that your Salesperson can check the information.

 

If you can remember to bring the appropriate documentation, it will speed up the sales process and minimize the time spent at the dealership.

 

Documents Needed to Finance a Vehicle:

If you want to take some of the guesswork out of the car buying process, we are here to HELP. We want to make sure you are prepared if you are planning on financing a car, so let’s discuss what you should bring with you to the dealership.

 

As we all know when considering financing anything, your credit score will have a pretty big impact on your rates of financing. But, what you might not know is that it also impacts what you would need to have on file to finance a car.

 

If You Have a Strong Credit Score:

  1. Driver’s License
  2. Insurance Card
  3. Any Trade Documents (title, registration, and lean release if applicable)

 

If You are unsure or know that your score could be a little better:

  1. Driver’s License
  2. Insurance Card
  3. Last 2 Recent Pay Stubs
  4. Proof of Residency- such as recent Utility Bills
  5. List of References- not living in your household Name, Address, & Phone #s
  6. Any Trade Documents (title, registration, and lean release if applicable)