: If financing through a dealership, bring recent pay stubs and utility bills.
When you're ready to buy, ensure you have the following documents ready or provided by the seller:
: A stricter variation suggesting 20% down, a 3-year loan , and payments at 8% or less of your gross income .
: You must have auto insurance active before driving the car off the lot.
: This legal record acts as a receipt and includes the VIN, sale price, and contact details for both parties.
: Always seek loan pre-approval from a bank or credit union before visiting a dealership to secure better interest rates. 2. Research & Selection
: Required for test drives and to register the vehicle.
: Consider if you need a fuel-efficient sedan, a family-oriented SUV, or a rugged truck.