ITIN Auto Financing in Raleigh, NC
Some of the banks and credit unions we work with accept an ITIN in place of a Social Security number on a car loan. We'll tell you which ones are taking ITIN applications and walk you through it, in English or Spanish.
4.8 from 250+ Google reviewsFamily-owned since 2013Hablamos español
How it works
How ITIN financing works here
Step 01
Call or apply
Tell us you're applying with an ITIN. We'll tell you which of our lenders are taking ITIN applications right now.
Step 02
We send it to those lenders
Each lender reviews your application and decides on approval, the terms and the down payment.
Step 03
Bring your documents, pick the car
Once a lender says yes, bring the documents they ask for and choose from what is on the lot.
What is an ITIN?
An ITIN (Individual Taxpayer Identification Number) is a tax ID the IRS issues to people who need to file U.S. taxes but can't get a Social Security number. It's nine digits long and starts with a 9. Some lenders accept it in place of a Social Security number on a car loan application.
Lenders that may accept an ITIN
We work with banks and credit unions, and some of them take ITIN applications. Which ones changes from month to month, so call before you come in and we'll tell you who is taking them now. ITIN or not, every loan goes through an outside lender: we don't offer in-house or buy here pay here financing.
Documents lenders often ask for
- Your ITIN, such as the IRS letter that assigned it (notice CP565)
- A photo ID, such as a passport, a consular ID or a driver's license
- Proof of income, such as recent pay stubs, bank statements or tax returns filed with your ITIN
- Proof of where you live, such as a utility bill or a lease
- Proof of insurance before you drive off
Every lender sets its own list, so we'll confirm yours once the application comes back.
Approval, terms and down payment
Each lender decides for itself whether to approve an ITIN application. The rate, the length of the loan and the down payment depend on the lender, on your income and credit history, and on the vehicle you choose. Until a lender has seen your application, nobody can promise an approval or a payment, and we won't.
A trade-in can go toward the purchase. Get a number on your trade.
Help in Spanish
Our bilingual team can assist you in English or Spanish, from the application to the paperwork. Call (919) 569-5889, or read about financiamiento en español.
Have a Social Security number? Most buyers finance through our bank and credit union lenders.
Ready to start?
Apply online, or call and we'll tell you which lenders are taking ITIN applications right now.
¿Prefiere español? Nuestro equipo bilingüe le puede atender.
From our Google reviews
What customers say about buying in Spanish
"El servicio y atencion brindadas por Alex Batista, recomendadisimo, tanto en inglés como en espanol!"
Alex Batista's service comes highly recommended, in English and in Spanish.
"Estoy muy satisfecho con la compra de mi vehículo, me ofrecieron precios accesibles y se adaptaron a mi presupuesto."
Very happy with my purchase. Fair prices, and they worked within my budget.
"Aquí se puede encontrar el carro que estemos buscando busquen a Alex habla español"
You'll find the car you're looking for here. Ask for Alex, he speaks Spanish.
Pick the car
See what's on the lot today
Every vehicle is online with photos, the full option list and one straight price. Pick a type to start, or see them all.