What You Need to Apply Auto Loans

  • What you will need to apply:
    • Valid government issued photo ID
    • Valid auto insurance
    • Most current paystub (if requested)
  • If you're purchasing from a dealership, you'll also need:
    • Signed sales contract
  • If you're purchasing from a private party (clear title), you'll also need:
    • Original title
    • Vehicle registration
    • Valid government issued photo ID for both buyer and seller
    • Current mileage
    • Total purchase price of vehicle
    • Smog certificate (If applicable)
    • DMV sales tax and fees will apply
    • Note: Seller and buyer must be willing to go to branch to sign original DMV documents.
  • If you're purchasing from a private party (lien on title), you'll also need:
    • Account payoff information from current lender
    • Vehicle registration
    • Valid government issued photo ID for both buyer and seller
    • Current mileage
    • Total purchase price of vehicle
    • Smog certificate (if applicable)
    • DMV sales tax and fees will apply
    • Note: Seller and buyer must be willing to go to branch to sign DMV documents.
  • If you're buying out a lease, you'll also need:
    • Lease paperwork or odometer disclosure from leasing company
    • Lease payoff information from leasing company
    • Vehicle registration
    • Current mileage
    • DMV sales tax and fees will apply
  • If you're refinancing from another lender, you'll also need:
    • Account payoff information from current lender
    • Vehicle registration
    • Current mileage
  • If you're getting a cash out title loan, you'll also need:
    • Original title
    • Vehicle registration
    • Current mileage
    • Note: Wholesale loan to value restrictions apply.
  • If you're applying for the Starting Point program, you'll need:
    • Most current paystub or signed offer letter
    • Valid government issued photo ID
    • Social Security number
    • Verification of residence
    • Minimum 10% down payment