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Documents Needed
Documents You’ll need
To make the refinancing process that much smoother


Proof of Employment and Income

Lenders may require verification of income. If proof of income is requested, lenders are typically looking at two factors – The amount you have earned and the sources of the income.

Hourly/Salary Employees

Typically needs to provide pay stubs for the last two pay periods. If it’s the beginning of the year, a W-2 from the prior year might also be requested.

Freelance / Contract Employees

If you’re a freelance or contract worker and receive multiple 1099s from several companies, most lenders will generally request to see tax returns instead.


Lenders will typically request the last two years’ tax returns.

Tip: If you have a second job or other sources of income tell your loan officer – it may be beneficial to you as the lender evaluates your application.

Proof of Residence

Proof of residency may be requested if there is a discrepancy in the credit report or the address on your driver’s license does not match. Below are some of the documents you can use to prove your physical address.

  • Utility bills – Gas, Electric, Water
  • Drivers license
  • Bank statement
  • Mortgage statement or lease agreement
  • Property tax bill
  • Homeowners or renters insurance policy

Proof of Insurance

All lenders will require proof of insurance for the auto. You can provide either your Insurance ID card or a declarations page from your insurance company.

Vehicle Information

In order to process your application, we will need the following information**:

  • Vehicle year
  • Make
  • Model
  • Vehicle identification number (VIN)
  • Payoff amount for your current loan

**Your vehicle’s registration card should provide all of these details, except payoff.

What is Auto Refinancing?
How to refinance an auto loan?
Documents Needed
Vehicle Titles
Lease Buyout
Add or Remove a Co-Borrower
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