What Documents Do I Need to Finance a Vehicle?

The short list

Every item here has one purpose: confirming who you are, what you earn, and how to reach you.

• Valid driver's license or state-issued ID
• Proof of income — recent pay stubs, or bank statements if you are self-employed
• Proof of residence — a utility bill, lease, or mortgage statement in your name
• A working phone number
• Personal references with names and phone numbers
• Your down payment, and the title if you are trading a vehicle in

If you are self-employed or paid in cash

Three to six months of bank statements showing consistent deposits usually works in place of pay stubs. Bring what you have and we will tell you quickly whether it is enough.

If you are trading in

Bring the title if you own it outright, or the lender name and payoff amount if you do not. Bring both keys if you have them; it affects the appraisal.

Insurance

Texas requires coverage before you drive off. Have your agent's number handy — most customers add the vehicle by phone from our office in a few minutes.