What documents do I need to buy a used car?

You’ll need your driver’s license, proof of insurance, payment method (cash, check, or financing documents), and if trading in, your current vehicle’s title and registration. Some dealerships may also require proof of residence and references if you’re financing.

Can I buy a used car without insurance?

No. In most states, you must show proof of insurance before driving the vehicle off the lot. Some dealers allow you to contact your insurance provider on-site to add the new car to your policy.

What payment methods are accepted for buying a used car?

Dealerships usually accept certified bank checks, cashier’s checks, or financing through a lender. Some may accept debit cards or wire transfers. Private sellers typically prefer cash or cashier’s checks.

Do I need the title if I’m trading in my car?

Yes, bring the original vehicle title (also called the “pink slip”). If there’s a loan on the car, bring the loan payoff information from your lender. Also bring your current registration and spare keys.

Why do dealers ask for a utility bill or proof of address?

Dealerships or lenders may require proof of residence for identity verification, especially when financing. A recent utility bill, bank statement, or lease agreement with your name and current address usually works.

What references do I need if I’m financing?

If your credit is limited or challenged, lenders may ask for 2–3 personal references. Bring their full names, phone numbers, and addresses. They shouldn’t be from the same household.

Is there anything else I should bring when buying a used car?

Bring your smartphone with a full battery. You may need it to contact your bank, update your insurance, compare loan terms, or take photos of documents. It’s also helpful to call ahead and ask the dealership if they require anything specific.

What to Bring When Buying a Used Car

What should you bring when buying a used car?

Whether buying from a dealer or private seller, showing up prepared makes the process faster and stress-free.

This guide covers the essential documents and items you’ll need, including your driver’s license, proof of insurance, payment method, vehicle title (if trading in), proof of residence, and more. Avoid delays and drive off confidently with this simple checklist.

You’ve done the research, found the right vehicle, and you’re ready to make it yours—but are you fully prepared? Whether you're buying from a dealership or a private seller, showing up with the right documents and items can make the process faster, smoother, and less stressful.

Here’s a simple checklist of what to bring when buying a used car, so you can drive off the lot with confidence.

1. Your Driver’s License

This one’s obvious but essential. You’ll need a valid driver’s license to:

Take a test drive
Finalize the paperwork
Register and title the car in your name

Tip: Make sure the address on your license matches your current residence, especially if you’re applying for financing or insurance.

2. Proof of Insurance

In most states, you can’t drive your new (used) car off the lot without proof of insurance. Some dealerships may allow you to email your insurance company from the dealership and add the new vehicle on the spot.

Bring:

A copy of your current insurance card
Your agent’s contact info
Or your insurance app login for quick updates

💰 3. Payment Method

How you plan to pay will determine what to bring:

If paying with cash or check:

Certified bank check or cashier’s check
Photo ID matching the name on the check
A copy of the bank withdrawal if needed for verification

If financing:

Recent pay stubs or proof of income
Your credit report or score (optional, but helpful)
Employer and personal references (some lenders require them)

If using a trade-in:

Title for your trade-in vehicle
Loan payoff information (if there’s still a balance)
Spare key, remote, and any accessories you originally received

4. Vehicle Title and Registration (If Trading In)

If you're trading in your current car, don’t forget to bring:

The original title (also called the “pink slip”)
Current registration documents
Payoff letter if your car isn’t fully paid off

Make sure everyone listed on the title is present, or you have proper documentation to sign on their behalf.

5. Recent Utility Bill or Proof of Address

Some lenders or dealerships may ask for proof of residence to verify your identity—especially if you're financing or leasing.

A recent utility bill, lease agreement, or bank statement will usually do the trick. Just make sure it matches the name on your license.

6. Contact Information for References (If Financing)

If you have challenged or limited credit, the dealership or lender may ask for personal references. Bring:

Names, phone numbers, and addresses for 2–3 references
Ideally, not all from the same household

7. Your Smartphone (With a Full Battery!)

This isn’t paperwork—but it’s essential. You’ll want your phone for:

Checking loan terms or comparing quotes
Contacting your bank or insurance company
Navigating home once you drive off the lot
Taking photos of documents or your new car!

Bonus Tip: Ask the Dealership What They Require

Every dealership may have slightly different requirements, especially for financing. It's a good idea to call ahead and ask what documents they’ll need to make the process seamless.

Final Thoughts

Buying a used car is exciting—but showing up prepared is the key to a smooth transaction. With the right documents and a clear plan, you can skip the stress and focus on what matters most: driving away in the right car at the right price.

Need Help or Have Questions?

At Clock Tower Auto Mall, We Say Yes When Others Say No, we make it easy. Whether you're buying or trading in, our team is here to walk you through every step—no pressure, no surprises.

Call us today or stop by to see what we have waiting for you.