What information should I have ready before I apply for a vehicle loan?

To make your application process faster, please have the following documents on hand:

  • Identification: Valid driver’s license, state ID, passport, or military ID
  • Social Security card or ITIN documentation
  • Proof of income: Recent pay stubs (last 30 days), W-2 forms, or tax returns
  • Proof of residence: Utility bill, lease agreement, or mortgage statement (within 60 days)
  • Bank statements: Last 2-3 months showing account activity
  • Employment verification: Contact information for your employer or offer letter if recently hired
  • Down payment funds: Proof of available funds if making a down payment
  • Vehicle information: VIN, purchase price, and seller details (once a vehicle is selected)
  • Trade-in documentation: Title and registration if trading in a vehicle
  • Proof of insurance: Insurance binder or policy declaration page