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How do you get a car loan through your bank?
What steps should I take to get a car loan through my bank? I recently got a new job, and I need a car for the morning commute. But I’ve never taken out a loan before!
Phoebe Mah · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your new job! Car loans might seem complicated, but it’s an easy process when you take it one step at a time. That said, you’ll need to submit the following documents to get a car loan through your bank:
- Government-issued ID: You can use your driver’s license.
- Proof of employment: You can use your recent pay stubs or an employment contract.
- Credit report: Your credit score largely determines what interest rate the lender will offer you.
- Your vehicle information: The bank needs to know what type of vehicle you’d like to buy, so they can offer you a reasonable amount. You will need to give them your future car’s year, make, model, and VIN, along withproof of insurance.
Once you’ve gathered your documents, schedule an appointment with a financial representative from the bank and submit your application!
Remember, different lenders may offer you better rates and conditions than others. Your first option will rarely be your best, so taking a little time to shop around for your ideal lender can save you lots of money in the long run.
Since you’re about to buy a new car, use the
Jerry
app to find the best rate on the coverage you need.A licensed broker, Jerry helps users save an average of $879 a year on car insurance. Just download the app, answer a few questions, and Jerry will help you compare personalized quotes from 50+ top insurance companies, like Travelers, Nationwide, and Progressive, in seconds.
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