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What are the requirements for a car loan?
I'm applying for a car loan for the first time and want to ensure I've got everything together before I begin the process. So, what are the requirements for a car loan?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The requirements for a car loan vary by lender. But generally speaking, to apply for a car loan, you will need proof of the following:
- Identification: ID, visa, license, or passport
- Income: W-2, pay stubs, or bank statements
- Residence: Official mail, bank statements, utility bills, lease agreements, or mortgage documents
- Insurance: Insurance card, declaration page, or provider name and policy number
- Credit history: Using your Social Security number and other personal information like your name, address, and date of birth, your lender will pull your credit history and credit score
- Vehicle information: The price of the car you want, plus its VIN, year, make, and model
- Down payment: The amount you can afford to pay up front
If you don’t have insurance yet—or need to save money but don’t want to lose coverage—the
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- Gregory R.
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