What would you rather do on that day you buy your new car: quickly get behind the wheel or sit in an office for hours? Whether you plan to finance, lease, or pay in cash, bringing the right documents and information will speed up the transaction.

Essential documents

Valid driver’s license

A driver’s license is required to verify your identity and confirm you’re legally allowed to drive. The dealership must see it before allowing you to test drive a vehicle or complete your purchase.

Proof of auto insurance

Most states need to see proof of insurance before you can drive your new car off the lot. Have your current insurance card with you, or be prepared to contact your insurance provider from the dealership to add your new vehicle to your policy. Some dealers may require proof of full coverage if you're financing the car.

Payment method

Whether you’re financing or paying outright, you’ll need to bring an acceptable form of payment, which can include:

• A cashier’s check, personal check, or credit card for the down payment
• A pre-approved check from your lender if you’ve secured financing elsewhere
• Cash (if the dealership allows it; check ahead to confirm their policy)

Financial information

Proof of income

If you plan to finance a vehicle, the lender may want proof of income to confirm your ability to make payments. Recent pay stubs, bank statements, and tax returns show steady employment and income.

Proof of residence

Lenders and dealerships often require proof of residence to verify your address. A recent utility bill, lease agreement, or mortgage statement with your name and current address should suffice.

Documents for trade-ins

If you’re trading in a car, additional paperwork is needed to transfer ownership and apply the trade-in value to your purchase.

Vehicle title

The title is proof you own the car, so bring the physical document if you aren’t currently financing the vehicle.

Current vehicle registration

A valid registration is required to prove the car is legally registered in your name. Ensure it is up to date before attempting to trade in a vehicle.

Payoff information

If you still owe money on your trade-in, obtain documentation from your lender showing the remaining balance. This email or letter will allow the dealership to calculate the trade-in value based on what’s required to pay off your current auto financing.

Preparation will pay off

Having the necessary paperwork on hand ensures a seamless car-buying experience, helping you drive off the lot without unnecessary delays. And before you head to a dealership, you can start the pre-qualification process through Credit Acceptance. We work with more than 15,000 dealers nationwide!