The documents you need to finance a car in Manitoba
Five items lenders commonly ask for, what each one shows, what to ask about if you do not have it, and the inspection certificate a Manitoba dealer must give you.
These are the documents lenders commonly ask for. Gathering them before you apply can help your application move faster.
1. Photo identification
A valid driver’s licence is the usual photo ID. Your licence class sets what you can legally drive, and in Manitoba a Class 5 licence covers passenger cars and two-axle trucks. Ask whether the lender needs a second piece of ID.
2. Proof of income
The Financial Consumer Agency of Canada (FCAC) says lenders generally require proof of regular income. Recent pay stubs are a common way to show it. If you are self-employed, seasonal or paid in cash, ask which records the lender will accept instead, such as recent bank statements. If your income comes from contract work or changes from month to month, ask what the lender needs to see.
3. Proof of address
FCAC also says lenders generally require proof of a permanent address. A utility bill, bank statement or lease with your name and current address is a common choice. Ask how recent it needs to be.
4. Banking information
A void cheque or a pre-authorized debit form, so payments can come out of your account when they are due. FCAC notes that a financial institution may ask for a blank cheque marked VOID to confirm your account details, and that a pre-authorized debit agreement includes your banking information.
5. Trade-in paperwork
Bring the vehicle registration and all keys you have. If there is still a loan on the vehicle, bring the lender name and the current payout amount. Any balance you still owe is part of the new deal, so it helps to know it early. If you plan to trade in a vehicle, here is how a trade-in can lower the tax on your next one.
If you are new to Canada
You may not have a Canadian credit file yet. You can still apply, and what lenders need depends on your history. Bring your immigration documents, such as a work permit or permanent resident card, with your proof of income and address, and ask what the lender needs in your situation.
An inspection certificate from the dealer
In Manitoba a valid Certificate of Inspection is required to register a vehicle when ownership transfers, and if you buy from a dealer, the dealer must issue you one. It confirms the vehicle met basic safety standards at the time it was inspected. It is not a detailed engine or transmission inspection and it is not a guarantee of overall quality.
Missing something?
Say so early, and ask whether another document can be used instead. An application can stall when one item is missing and nobody mentions it.
When your paperwork is together, start your application, or call 204-781-9992 and we can go over which documents your situation may need.
Sources
General information only, not financial, legal or tax advice. Lenders make the credit decisions on any financing, and rules, taxes and rates can change, so confirm the details for your own situation before acting.
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