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What documents do I need for car finance?
Usually photo ID and proof of income, plus recent bank statements. Having these ready is the fastest way to get approved.
Most lenders ask for a similar short list. Having it ready before you apply speeds everything up.
- Photo ID, such as a driver licence or passport
- Proof of income, like payslips, a WINZ statement, or business records if you are self-employed
- Recent bank statements, usually the last few months
- Proof of address, such as a bill or tenancy agreement
If you have chosen the car, details about it help too. Lenders use these documents to confirm who you are and to check the loan is affordable under responsible lending rules.
You do not need everything perfect to start. Get your fair rate and we will tell you exactly what your matched lender needs.
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