Short answer
What documents do you need for a car loan?
Lenders usually ask for a driver's licence, proof of income (recent pay stubs, or two years of tax returns if you are self-employed), proof of address (a utility bill or lease), proof of insurance before you drive away, and the vehicle details (purchase agreement or VIN), plus the title if you are trading a car in. If your credit or income history has a gap, a short explanation letter answers the question before the underwriter asks.
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