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What Documentation Should You Bring to the Dealership for Financing?

At Patriot INFINITI of Merrillville, we understand that not everyone has perfect credit, but we don’t believe that should disqualify them from obtaining the vehicle they’re looking to purchase. We want to help you get approved and we’ve put together a list of documents you may need to help your approval. As with any vehicle purchased through financing, you will be required to provide records, for example, proof of car insurance and a valid, up-to-date driver’s license. If applying a subprime car loan, you may have to bring a few additional records. This extra documents will help you to qualify with some of our lending institutions.

You may not need all of the these items, but here is a rundown of the documentation that loan providers suggest that you carry with you when you initially visit our finance department:

• A valid driver’s license – Verify your license is not expired, revoked, or suspended. Also ensure the address listed on your driver’s license is current and matches your state of residence.
• Proof of insurance – Take care to include the name of your agent and a reliable contact number. Preemptively adding a new car to your policy will not be necessary until approval.
• Proof of residency – A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
• Proof of employment – A recent (within 30 days) pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of professionally prepared tax returns.
• A list of personal references – A reference means any individual that knows you personally — be it a family member, friend, or work colleague. Your list should include full names, addresses, and phone numbers. Keep in mind your references cannot reside at the same address. As a courtesy, get permission from your references before listing them as a lender may contact them.
• Phone number verification – Any phone number provided must be in service and under the applicant’s name.