What to Bring to a Buy Here Pay Here Dealer

The Essential Checklist

• Valid Georgia driver's license — Required by law for the test drive and for the title transfer.
• Proof of income — Most recent 2 to 4 pay stubs, OR 3 months of bank statements showing direct deposit, OR a current Social Security / disability award letter.
• Proof of residence — A current utility bill, lease agreement, or mortgage statement with your name and Georgia address.
• Proof of insurance — Active Georgia auto insurance is required to drive off the lot. Most dealers can quote you on the spot if you don't have it.
• Down payment — Cash, debit card, certified check, or money order. Personal checks are rarely accepted for the down.
• References — Most BHPH dealers ask for 4 to 6 personal references with names, phone numbers, and relationships.

Helpful Extras

These aren't always required but speed up your approval:

• Last year's tax return or W-2 — Especially helpful if your income is seasonal or self-employment.
• Phone bill in your name — Demonstrates account stability.
• Trade-in title (if trading) — You need the title in your name to trade a vehicle.
• List of monthly expenses — Some dealers will ask to verify your debt-to-income ratio.

Income Requirements at Most Georgia BHPH Dealers

While requirements vary, the most common minimums you'll encounter:

• Minimum monthly income: $1,500 – $2,000 (gross, before taxes)
• Time at current job: 3 to 6 months minimum
• Time at current address: 3 months minimum (some require 6)
• Age requirement: 18 or older (Georgia law)

If you don't meet these on your own, a co-signer who does can often get you approved.

Questions to Ask Before Signing

• What is the total price of the vehicle including all fees and interest?
• What is the APR (annual percentage rate)?
• Are payments weekly, bi-weekly, or monthly?
• Is there a grace period for late payments?
• What happens if the vehicle needs major repairs in the first 30 days?
• Does the vehicle come with any warranty?
• Will you report my on-time payments to the credit bureaus to help build my credit?

A reputable Georgia BHPH dealer will answer every one of these in writing. If they refuse, walk away and find another dealer in our 159-county directory.