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Car finance advice

What documents do I need for car finance?

Make sure you're prepared and have all your paperwork ready for your car finance application with expert advice from The Car Expert

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When applying for finance for a new or used car, you will need to provide various information, documents and proofs of identification to the finance company so they can assess your application. In addition, they will access information held about you by third parties and check any employment references you provide.

What information does the finance company want? Well, they first need some basic information so that they can consider your application. Once the application has been approved, they will need some formal identification documents, and possibly proof of income, before the final contract is signed off.

If you can’t provide acceptable documents to back up the information you have provided, your finance application will be declined.

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Firstly, you need to provide the following personal information as part of your finance application. This is in addition to the specific details of the car you are buying, plus the exact deposit and monthly payments you are planning to make (every finance application is very specific to a particular car and payment profile; it’s not a general application for car finance).

Personal details

You will need to provide your full name (and previous name if you have changed it), date of birth, marital status, residential status (own your home, renting, living with parents, etc.) and your full address history for at least the last three years.

Employment details and history

You will need to provide name and address of all of your employers for at least the last three years (potentially longer if you have changed jobs a lot or have gaps in your employment history). This includes full addresses with postcodes, so make sure you have all of those details.

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You will need to provide your job title and salary (current and potentially for the last three years). If you are self-employed, you will need to provide accounts or other documents as proof of income, since this information can’t be easily checked by the finance company. If you run your own limited company, they will at least be able to check some of the details with Companies House.

Bank details

You need to provide the bank account details for the account you will be using for your monthly payments. You will need the branch’s address and sort code as well as your account number.

The account usually needs to be in your name (or jointly in your name). Again, if you have less than three years with your current bank, you will probably need to provide previous bank details.

What if I don’t have three years’ history for my application?

It’s a common problem that, for several reasons, you may not be able to provide three years’ history for all of your application. You may have only recently moved to the UK and therefore not have three years of residential or banking history here. You may have only entered employment in the last year or so. This is not necessarily a problem, but the finance company will need to know as much as you can tell them.

If you are applying for finance over at least three years (which most car finance is), but you can’t tell them where you were and what you were doing for the last three years, it doesn’t make you look like a safe bet for their money. It may adversely affect your application, depending on your circumstances, so speak to the dealer about what other information you can provide.

Some finance companies will make overseas checks, so they can verify your previous address in other countries. Other companies may be less accepting of applicants with less history, but it varies across the industry. Young adults applying for finance are often asked for a guarantor if they don’t have a lot of employment or credit history, but again it varies.

Once you have provided this information to the finance company, usually via the business manager at the dealership where you are buying the car, they can process an application for you. All going well, your application will be provisionally approved by the finance company, subject to you providing some required documents to confirm that you are who you say you are.

In some cases, you will also need to provide proof of income (usually for self-employed people).

Identification documents required for car finance

Driver’s licence

It is expected that if you are applying for car finance, you have a driver’s licence to be able to drive the car you are trying to buy.

Most finance companies will automatically reject a finance application if you don’t have a driver’s licence, as it would almost always be considered an accommodation deal (ie – you are taking out finance for someone else, which is not allowed).

What if I can’t find my licence?
If you can’t find your driver’s licence, or have sent it back to the DVLA for penalties to be added, etc, then you will need to provide additional personal identification. This is usually a passport or a similar ID document, and the dealer will be able to tell you what their finance company requires.

The finance company will also contact the DVLA to confirm that you do actually have a driver’s licence.

UK identification documents if you can't find your photo drivers licence
Proof of address

Most finance companies will ask for up to two proofs of address, to prove you live where you say you do. These are usually utility bills (eg – gas, electricity, council tax, etc.) and you have to be named on the bill (joint names is fine, as long as you are on there).

You can often also provide bank statements (although some forms of bank statement are not accepted). You are allowed to block out any payment information you like – such as expenditure or income – for proof of address identification, so you don’t have to worry about people seeing sensitive financial information on your personal documents.

These proofs of address usually need to be dated within the last 90 days (three months), so make sure you don’t take in bills which are older than that or they will be rejected.

Proof of income

Depending on your employment details and history, you may be asked to provide proof of income. If you use an accountant for your bookkeeping, it is usually easiest to get the dealership to call the accountant (or vice versa) to provide whatever documentation they require.

If you keep your own financial records (which many sole traders do), you may need to provide bank statements dating back for a certain period to show your income. If most of your income is cash and doesn’t show up in your bank statements, you will need to show other information to back up your income claims (such as tax return information).

Essentially, you need to show clear evidence of your income to the finance company if you want them to lend you the money. If you can’t show this, your application will be rejected.

Finance companies are very cautious about getting caught up in money laundering and tax evasion activities. These have traditionally been big problems for the car industry, so lenders will always be suspicious of cash-based income declarations.


Copies of all your documentation, along with the signed vehicle contract and signed finance contract, are sent off to the finance company’s head office by the dealership (usually by fax). If everything is in order, the contract is activated and the finance company pays the dealership for your car.

If there are any problems with your documentation, the finance company will usually request more information from the dealership and you (not uncommon), or reject the application outright despite originally accepting it (much less common, and usually as a result of something in your documents directly contradicting information provided in your original application).

A rejection from the finance company is usually pretty final, so it is important that you have the correct documents ready to present. Check out The Car Expert’s list of things to check before applying for car finance.

Make sure you can verify any information you provide in your application with proper documentation. Providing information which you know to be untrue (even if it seems unimportant) is fraud, and any little white lie – usually it’s about how much money you claim to be earning – could see you end up in a lot of hot water. Even if you escape prosecution, you may be disqualified from getting finance again for a long time.

This article was originally published in June 2015, and was most recently updated in May 2020.

Stuart Masson
Stuart Masson
Stuart is the Editorial Director of our suite of sites: The Car Expert, The Van Expert and The Truck Expert. Originally from Australia, Stuart has had a passion for cars and the automotive industry for over thirty years. He spent a decade in automotive retail, and now works tirelessly to help car buyers by providing independent and impartial advice.

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  1. Hi. I don’t have a 3 year uk address history since I moved to UK only a year and a half back. I,however, have been working here for the whole duration and can provide payslips and a good credit score. Is there any way to get PCP or HP ? Thanks a lot.

    • Hi Rhu. One of the standard criteria on pretty much any finance application is the last three years of address history. Your application will be assessed based on a a number of different criteria so it’s certainly possible that you can still be approved for car finance if you’ve lived here for less than three years, however the finance company may need more information from other areas (such as payslips) to be satisfied.

  2. For car finance can I still receive the best quote although I have only been employed for 1 month but have a full uk license and have previously been employed 6 months ago?

    • Hi Bradley. The finance company will want to see your employment history and address details for at least three years, to get an idea of your overall job stability. If you held your previous job for several years, it shouldn’t be a problem. If you had six different jobs over the last three years, it will raise concerns. Every finance company will assess these things individually, but that’s the general gist of it.

  3. I am going guaranter for my daughter for her first car I have been told I need a driving licence or a passport for id I don’t have these so what else can I use.

    • Hi Pauline. It’s normal for finance companies to require a photo ID with solid security requirements, like a driver’s licence or passport. if you don’t have either of those, you’ll struggle to get approval.

      The finance company may be prepared to accept a number of other forms of ID to compensate for not having a driver’s licence, but it’s fairly unlikely. I’d suggest speaking to the finance company directly if possible, rather than going via the dealership.

  4. If used my license or passport id number if they have is this not fraud also they knew my mum was meant to be just a guaranter yet they made it her finance and full ownership of car which made my insurance for car void which i sorted out 5 weeks later due to thenm

  5. If you go to trade in your own car ask your mum to be guaranter scammed out of being told warranty and service free then realise that they charged you and put it under your mums name you signed nothing and personal loan where she had no photographic id and i think they used mine is it possible on a personal loan to go through i know it can if no license or provisional but what about photographic id

    • Hi Alison. You can’t have a valid finance agreement if you (or in this case, your mum) haven’t signed anything. If she has signed a finance agreement without reading exactly what it says, she has to accept responsibility for that. The sales executive can lie through his/her teeth about what they’re offering, but the contract still has to be signed. If you are suggesting that your mum didn’t sign a finance contract, and therefore someone else forged her signature, that’s a different story altogether.

What are your thoughts? Let us know below.