Your credit score is the most significant factor in determining your interest rate and approval odds. Auto Loan Documentation Checklist - Bankrate

: Utility bills, mortgage statements, or lease agreements are used to confirm your physical address.

: Lenders typically ask for recent pay stubs , W-2s , or bank statements to calculate your debt-to-income (DTI) ratio.

: Most lenders will not finalize a loan without evidence of a full-coverage insurance policy. 2. Understanding Your Credit Profile