We want your vehicle purchase and loan funding to be as fast and efficient as possible. That all starts with having the right documents for the underwriter to review.
We ordinarily work on loan applications in the order received, but if you are in need of a vehicle IMMEDIATELY, we can prioritize your loan. Please CALL US NOW so we know to rush your approval!
Do Not Forget to ask About Our Credit Repair Promotion!
The following are documents that are typically required to fund auto loans for our customers. THERE ARE EXEPTIONS, so if you have an issue LET US KNOW. Do not just assume your loan is dead because you cannot provide one of the documents. Now that we have that out of the way, here is the list:
PROOF OF INCOME
90% of loans require valid Proof of Income (POI). You may be an exception to the rule, but we recommend planning ahead when possible. Please start gathering the documents below. Additionally, you can speed up your loan processing time by emailing your income docs to email@example.com with "[LAST NAME] Income" in the subject line.
POI Docs for a normal, W2 Job
POI Doc for Other Income (SS, Disability, Child Support, etc.)
We will also usually need proof that you are going to keep getting the money. Usually an award letter, divorce decree, or something similar will work. NOT ALL "Other" incomes will have an award letter. If you have a question, just call us. We are experts at figuring out what it takes to finalize your financing.
POI Docs For Self Employed
Sometimes we can use your last 2-years tax returns. The few loan programs that use tax returns to prove income look at Line 31 on Schedule C of your returns. Add up that number for the last two years and divided the total by 24. That number is your average monthly income. Usually bank statements work better.
PROOF OF RESIDENCE (Proof of Address)
Recent utility bill or cell phone bill, or bank statement in your name, with your physical address listed.
We have some "work arounds" with certain loan programs, in the event that proving where you live is difficult. Just let us know.
VALID DRIVER’S LICENSE
There are some exceptions here, but if you do not have a driver's license, you should call us.
Proof of Full Coverage Insurance (we can help you get if necessary)
Title and Registration to your trade-in.
Oh, and don't forget the trade-in vehicle. :-)
How to Browse Vehicles
Here are the easy access links for New Inventory and Used Inventory on our site. REMEMBER, this is only about HALF of the available vehicles. If you are looking for something specific, we may have it.