Buying a used car is exciting, but showing up at the dealership without the right documents can slow down the process. If you know what to bring when buying a used car ahead of time, you can make your visit much easier and potentially drive home in your new vehicle the same day.
At Frank’s Auto Credit, we make the car-buying and financing process as straightforward as possible. Because we offer in-house financing, you work directly with us instead of having to secure financing through an outside bank.
So, what documents do you need to buy a car at Frank’s? Here’s what you should have ready before visiting our Manchester, Connecticut dealership.
What Documents Do I Need to Buy a Car at Frank’s?
If you plan on purchasing and financing a vehicle through Frank’s Auto Credit, bring the following:
- Two current pay stubs from your employer
- A phone bill from where you reside
- A valid Connecticut driver’s license
- Personal references
- A cash down payment
- You must also be 18 years of age or older
The amount required for your down payment varies depending on the vehicle you purchase.
You can also get the process started before visiting the dealership by completing our online financing application.
Let’s take a closer look at why you’ll need each item.
1. Two Current Pay Stubs
Bring two current pay stubs from your employer when you visit Frank’s. Your pay stubs provide current employment and income information that can be used as part of the financing process.
This is particularly important when you’re purchasing a vehicle using Frank’s in-house financing.
If you’ve struggled to qualify for traditional financing because of your credit history, learn more about how to apply for a car loan at Frank’s.
2. A Phone Bill From Your Residence
You should also bring a phone bill from where you currently reside.
Having your documentation organized before you arrive can help make the buying process easier. Instead of having to leave the dealership to track down paperwork, you can focus on finding the right vehicle.
3. A Valid Connecticut Driver’s License
Don’t forget your driver’s license.
Frank’s requires customers to have a valid Connecticut driver’s license, so make sure yours is current and bring it with you when you’re ready to purchase your vehicle.
4. Personal References
You’ll also need to provide personal references as part of the process.
Have your references picked out beforehand and make sure you have their current contact information readily available. Preparing this information before you arrive is one more way to make your visit go smoothly.
5. Your Cash Down Payment
You’ll need a cash down payment when purchasing a vehicle at Frank’s Auto Credit.
The exact down payment varies depending on the vehicle you choose, so there isn’t one universal amount that applies to every car on the lot.
If you’re still deciding which vehicle is right for you, you can browse Frank’s current used car inventory before coming to the dealership.
Do I Need Good Credit to Buy a Used Car at Frank’s?
No. Frank’s specializes in helping Connecticut drivers with a variety of credit situations, including people with bad credit, poor credit, low credit or no established credit history.
The big difference is how the financing works.
Frank’s provides in-house financing, meaning we finance the vehicles we sell ourselves rather than relying on an outside bank to make the financing decision.
If you’ve been denied elsewhere, you can learn more about buying a car with bad credit in Connecticut.
And if you haven’t established a credit history yet, read our guide on financing a car with no credit.
What Should I Do Before Going to the Dealership?
Getting your documents together is important, but there are a few other things you can do before visiting Frank’s.
Start by looking through our used cars for sale in Connecticut to get an idea of the vehicles currently available.
You can then complete our online financing application to get the financing process started.
Finally, gather your documents and down payment so you have everything ready when you visit.
Can I Buy a Used Car the Same Day?
It’s possible. Frank’s works to make the buying and financing process fast and straightforward, and customers may be able to get approved and drive home in a vehicle the same day.
Coming prepared can help.
If you already have your pay stubs, phone bill, Connecticut driver’s license, references and down payment ready, you’ll have the documentation Frank’s requests for its financing process.
Used Car Buying Checklist for Frank’s Auto Credit
Before heading to Frank’s, run through this checklist:
- ✓ Two current pay stubs
- ✓ Phone bill from your residence
- ✓ Valid Connecticut driver’s license
- ✓ Personal references and their contact information
- ✓ Cash down payment
- ✓ Completed online financing application
- ✓ Must be at least 18 years old
Once you have everything together, you’re ready to start shopping.
What If I Have Bad Credit or No Credit?
Don’t assume that a low credit score means you can’t get a car.
Traditional banks and lenders often rely heavily on credit history when evaluating auto loan applications. Frank’s takes a different approach by providing financing in-house.
That allows us to work directly with Connecticut drivers who may have had financial difficulties in the past or haven’t had the opportunity to establish credit yet.
Since 1995, Frank’s Auto Credit has served drivers throughout Manchester, Greater Hartford and Connecticut with quality pre-owned vehicles and in-house financing.
Ready to Buy a Used Car in Connecticut?
Knowing what to bring when buying a used car can save you time and help make your trip to the dealership easier.
Before coming to Frank’s Auto Credit, remember to bring your two current pay stubs, phone bill, valid Connecticut driver’s license, personal references and cash down payment.
Then it’s time to find your next vehicle.
Browse our used cars for sale, apply for financing online, or contact Frank’s Auto Credit if you have questions about what you’ll need to bring.
Frank’s Auto Credit is located at 285 Broad Street in Manchester, Connecticut. Come prepared, find the right vehicle and let us help make the car-buying process as simple as possible.
Frequently Asked Questions
What documents do I need to buy a car at Frank’s Auto Credit?
Frank’s requires two current pay stubs from your employer, a phone bill from where you reside, a valid Connecticut driver’s license, personal references and a cash down payment. You must also be at least 18 years old.
How much money do I need to put down on a used car?
The required cash down payment at Frank’s varies depending on the vehicle you purchase. Contact Frank’s Auto Credit or review our available used car inventory to learn more about a specific vehicle.
Do I need good credit to buy a car at Frank’s?
No. Frank’s specializes in helping customers with a range of credit situations, including bad credit, poor credit, low credit and no credit. Financing is provided in-house rather than through an outside bank.
Can I apply for financing before visiting Frank’s?
Yes. You can complete Frank’s online financing application before visiting the dealership.
Where is Frank’s Auto Credit located?
Frank’s Auto Credit is located at 285 Broad Street in Manchester, CT. The dealership serves customers from Greater Hartford and throughout Connecticut.
