Requirements differ between providers, so use this as a checklist to prepare rather than a definitive list. A provider’s record in our directory shows its application requirements where it publishes them.
| What they want to confirm | Commonly requested |
|---|---|
| Who you are | Government-issued photo ID, usually a driver’s licence. |
| Where you live | A recent utility bill, lease or similar document showing your address. |
| Your income | Recent pay stubs or an employment letter. If self-employed, tax documents such as notices of assessment. |
| How you will pay | A void cheque or pre-authorized debit form. |
| Insurance | Proof of insurance on the vehicle before you take it. |
| The vehicle | The bill of sale. For a used vehicle, its history and ownership details. |
| A trade-in | Ownership and, if a loan is outstanding, the payout statement. |
Your credit report
A lender will normally ask for your consent to obtain your credit report. Read what you are consenting to, and ask if it is not clear.
What you should not be asked for on this website
Direct Car Loans does not ask for identity documents, your Social Insurance Number or banking logins. Our form collects only enough to start the partner’s application. Any documents are requested later by the partner or provider, through their own secure process.
Tips
- Check that names and addresses match across your documents.
- Send documents only through the provider’s official channels.
- Keep copies of everything you sign.