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How to Get a Car Loan

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Initially, the process of qualifying for a car loan in Monroe or Warwick can seem quite daunting. You’ll probably have lots of questions, starting with “What do I need to qualify for a car loan?” Rest assured, qualifying for a car loan is simpler than you might think so long as you have the right documentation. And while you may have heard that you need a perfect credit score to get approved, this certainly isn’t always the case. Learn how to qualify for a car loan with Middletown Honda below, then apply for pre-approval online to get a head start on the next steps. 

What Do I Need to Qualify for a Car Loan?

No matter where you’re looking to get financing from, figuring out how to get a car loan starts with gathering some basic documents that will be used to confirm your identity and provide information on your financial circumstances:

  • Proof of Income: Lenders need to know that you have sufficient income to make your car payments. As such, they’ll ask for proof of income in the form of a bank statement and/or a pay stub. Some lenders might also ask for your employer’s contact information, so they can confirm your employment status and current income. 
  • Proof of Auto Liability Insurance: Liability insurance is required by law for all Goshen drivers. In order to qualify for an auto loan, you will need to show proof of insurance with a current policy. 
  • Proof of Identity: You will need a photo ID to prove your identity, but that’s often not the only identifying document lenders will ask for. Many will also request a copy of a recent utility bill or your last bank statement –– something that confirms the name and address listed on your photo ID. 
  • Proof of Residence: A copy of a recent utility bill can double as proof of residence. Why do lenders require this? In the event that a borrower stops making their payments, lenders need to know they have a way to find them.

Planning to trade in your current vehicle in the process of qualifying for a car loan on a new vehicle? Double-check that you have the title and registration handy, as both are required to prove that you own the vehicle. 

Qualifying for a Car Loan: Do I Need to Have Perfect Credit? 

It’s a common misconception that one of the steps for how to qualify for a car loan is to have a perfect credit score. Good credit will help you qualify for the best interest rates and loan terms available, but it’s certainly not a requirement to get approved. Whether you’re interested in in-house financing at the dealership or you want to work with an outside lender, there are lots of programs designed to help buyers with bad credit. 

Secure Financing at Middletown Honda Today! 

If you’re ready to stop asking how to qualify for a car loan and find a workable solution in Middletown, reach out to the finance center at Middletown Honda to get started! No matter what type of credit you have, we can help you get approved for a vehicle you’ll love. To find out how you can drive home in a new Honda sedan or SUV for less, check out our ongoing new vehicle specials!

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520 Rte 211 E • Middletown, NY 10941

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