Credit Assistance Programs in Baton Rouge, LA

Documentation That Can Help Speed Up Your Approval

When applying for your automotive loan, our Finance Team recommends that you bring as many of the following items as possible to the dealership for your appointment. While we may not need all of these items for your loan, the more information that our Finance Experts have on hand, the better and faster they can find the best options for your vehicle needs and your credit situation.

• A valid driver's license - Verify your license is not expired, revoked, or suspended. Also ensure the address listed on your driver's license is current and matches your state of residence.
• Proof of insurance - Take care to include the name of your agent and a reliable contact number. Preemptively adding a new car to your policy will not be necessary until approval.
• Proof of residency - A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
• Proof of employment - For approval, a recent (within 30 days) pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of professionally prepared tax returns.
• A list of personal references - Most finance professionals expect six references. A reference means any individual that knows you personally -- be it a family member, friend, or work colleague. Your list should include full names, addresses, and phone numbers. Keep in mind your references cannot reside at the same address. As a courtesy, get permission from your references before listing them as a lender may contact them.
• Phone number verification - Any phone number provided must be in service and under the applicant's name. Prepaid cell phone numbers will not be accepted.