Find a recent payment stub from your current auto loan and make sure you know the following:
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Your current monthly payment and the remaining balance.
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The amount of time left to repay the loan in months, often called the loan term.
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The interest rate you’re paying.
- The customer service number of the lender in case you have questions.
Dig out your original loan contract and verify that there are no prepayment penalties. If you can’t find your contract, don’t worry. Your lender’s customer service department can give you the information you need, or even email you a copy of the contract.
You’ll also need the following items to complete loan applications:
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Your driver’s license.
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The vehicle identification number of your car.
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Pay stubs from your current employer or proof of employment.
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Your Social Security number.