Buy Here Pay Here Requirements May 2026

: Many dealerships mandate an in-person visit to finalize terms and validate your commitment to the purchase.

: You must usually prove you can "bind" comprehensive and collision insurance coverage before you can drive the car off the lot. Summary of Documentation Needed Common Documents Required Income buy here pay here requirements

Driver's license, state ID, or Passport; Social Security number. : Many dealerships mandate an in-person visit to

: This is the most critical requirement. Lenders typically look for a minimum monthly income (often between $1,200 and $2,000 after taxes). You will need: Recent pay stubs (usually the last 30 days). 200 and $2

: Unlike traditional monthly loans, BHPH terms often align with your payday (e.g., weekly or bi-weekly).