How to Get Pre-Approved for a Used Car Loan

## Why get pre-approved first

Getting pre-approved before you visit the lot puts you in control. You'll know your real budget, your interest rate, and your monthly payment range — so you can shop with confidence instead of guessing.

## What you'll need

- A valid driver's license - Proof of income (recent pay stubs or bank statements) - Proof of residence - Your Social Security number for the credit check

## Does it hurt my credit?

A pre-approval uses a soft or single hard inquiry that has minimal impact. Shopping multiple lenders within a short window typically counts as a single inquiry for scoring purposes.

## Next steps

Once you're pre-approved, browse our inventory and bring your approval to the dealership — we'll handle the rest.