All the documents needed
to make your auto refinance go smoothly
Proof of identity
Proof of identity is an essential document that lenders will require during the auto refinancing process. This can include a valid government-issued ID, such as a driver's licence or passport, to verify your identity.
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Proof of income
To verify your income for an auto loan, you may only need to provide your lender with your latest W-2 or one or two recent paystubs. Be aware that lenders may call your employer to verify that you are currently employed with them. In this case, it may also be helpful to provide a copy of your employment agreement. If you are a contractor or freelancer, you will have to provide a copy of Schedule C from your tax return.
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Proof of residence
When lenders refinance your car, they’ll need proof of exactly where you live by asking for documents that show your current home address. Typical documents that qualify as proof of residence include your driver’s license, current employment paystubs, credit card statements, or utility bills.
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Vehicle registration
When lenders refinance your car, they’ll need proof of exactly where you live by asking for documents that show your current home address. Typical documents that qualify as proof of residence include your driver’s license, current employment paystubs, credit card statements, or utility bills.
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Proof of insurance
To refinance your car loan, you’ll undoubtedly need to provide proof of your car insurance policy. You may provide proof of your policy with your insurance ID card. Alternatively, you may use a declarations page from your insurance company.
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