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Can you get a car loan if you don't have a license?
I don't have a license due to a DUI, but it's going to be reinstated in less than a month. Can I still get a car loan?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, you can get a
car loan
, even if you don’t have a driver’s license! However, you may want to wait until it’s reinstated for a couple of reasons:- Lenders may view you as a high risk due to your lack of a license. This may result in rejection.
- Higher interest rates. If lenders view you as a higher risk, your interest rates will be higher. By waiting for your license to be reinstated, you’ll make sure you’re getting the lowest rate possible.
If you’re getting a car loan, you’ll also need to purchase full coverage auto insurance, as most lenders require it. The state may also require you to get an
SR22
to obtain car insurance following a DUI. Ask your DMV or traffic court if it’s required just to make sure.The good news is that if you need an SR22 and full coverage, the
Jerry
app can do the heavy lifting for you! We’ll get you customized quotes from top insurers so that all you have to do is choose the plan that works best for you.Best of luck with everything!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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