A purchase-day checklist for buying a used car: ID, insurance, payment, common financing documents, what to bring for a trade-in, and how to review the paperwork before you sign.
Why Being Prepared Saves Time
Having the right documents with you can turn a long afternoon at the dealership into a quick visit. It also helps lenders review your application faster and keeps surprises out of the final paperwork.
Requirements vary by lender and by situation, so call ahead and ask what you will need for your specific purchase.
The Basics for Every Buyer
Whether you pay in full or finance, you will need to show who you are and that the vehicle can be insured before you drive it away.
- A valid driver's licenseBring one for each person who will be on the purchase.
- Proof of insuranceCall your agent with the vehicle's VIN to add it before pickup.
- Your payment methodAsk ahead which forms of down payment are accepted.
If You Are Financing
Lenders often ask for documents that confirm your income and where you live. If you have already been pre-approved, bring your approval details so the team can match the terms.
Not every lender asks for the same items, so these are common examples rather than a fixed list.
- Recent pay stubs or proof of incomeSelf-employed buyers may be asked for bank statements or tax returns.
- Proof of residenceA recent utility bill or lease with your name and address.
- A list of personal referencesSome lenders ask for names and phone numbers.
- Your down paymentConfirm the amount with your lender beforehand.
If You Are Bringing a Vehicle to Trade
Bring the vehicle's title or, if it still has a loan, your lender's name and account number so the payoff can be confirmed. Also bring the registration, every key and remote, and any service records you have.
Review the Paperwork Before You Sign
Take your time with the final documents. Confirm that the vehicle identification number (VIN), price, fees, trade-in value, down payment, and loan terms all match what you agreed to.
Ask about anything you do not understand. A good dealership will explain each line and give you copies of everything you sign.
- Match the VIN to the vehicleCheck the dashboard plate or door jamb label.
- Confirm the price and every feeEach charge should be listed and explained.
- Check the loan rate, term, and paymentThey should match your approval.
- Ask how title and registration will be handledFind out what happens next and when.
Make Your Visit Easy
At OpenBook Auto in Farmington, you can apply for financing online before you arrive and schedule a time to see the vehicle you want. Contact our team ahead of your visit and we will tell you exactly what to bring.