A a image of a drivers license and a pen with a purple background

What to Bring to a Car Dealership

Milad Hassibi May 2, 2018


No matter your lender or the car you choose to buy, there will be certain documents that you will be required to produce in order to drive off the lot in your new car.

Bringing the proper documentation needed will make your auto transaction much smoother, as your dealer can expedite the process if all the proper documentation is present.

When lenders work with car buyers with less than perfect credit, they know they might be taking a higher risk. Typically, lenders will require additional documentation for a subprime auto loan than a prime auto loan.

It will be near impossible to buy a new car without documents. We’ve compiled a list of documents you should have on hand in order to help expedite the process as quickly as possible.

  • Proof of Insurance– Of course, it’s illegal to drive a car on public roads without minimum A man holding an image of a drivers license for a loan approvalcoverage insurance. Be sure that the insurance documents you provide your dealer/lender have your name and address listed on them. Do not add the new car to your policy through until the transaction has been completed.
  • Drivers License– You need a license to drive, Be sure that your license is valid, meaning that it hasn’t been revoked or expired. Your current residence needs to be listed on your license as well.
  • Proof of employment– If you are an employee of a company, you can meet this requirement by bringing in a copy of your most recent pay stub. Preferably, the paystub should be from within the last 2 months. If you file a 1099 tax form due to self-employment, be prepared to provide at least 2 years of tax returns.
  • Residency– Lenders that work with subprime auto loans need to make sure that you are legitimate. This means that they will need some form of a proof of residency, which is typically a utility bill with your name and address on it.
  • References– Almost all lenders who fund subprime auto loans will have a requirement for at least 5 or 6 references. These references could be anybody you know, such as a parent, spouse, coworker, or even a distant relative that will know you personally.The lender will require a name, phone number, and an address for each contact that you provide. Usually, your references cannot live at the same mailing address you provided. None of the references can live together as well. Be sure that your references are aware that they are your references before you sign them up.
Get a Car Loan with Any Credit Along with a Happy Couple and a New Black SUV next to them

Final Note

Going to a dealer and getting an auto loan can be a daunting task, especially if you’re a good person in a bad credit situation. This is where CrediReady can help. We have a nationwide database of lenders and dealers that work with people in all kinds of credit and financial situations. Fill out our free, confidential, no-obligation form to get on the road again.



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