Acquiring a car loan is within the realm of possibility for many drivers, but they have to be equipped with the right materials before they can apply for and receive financing help. Here are a few of the most important materials you will need as you start the process of getting an auto loan: 

Credit score
Drivers should know their credit rating before starting the process of applying for a car loan. Lenders will look at this score immediately, and having a clear picture of what your credit history is and how it affects the loans you receive will make the process go a bit more smoothly. Additionally, those drivers who find their score is less than ideal can take some time to improve the number before applying for a loan, thus improving their chances of getting the financing help they need. 

Miscellaneous 
In addition to knowing their credit score and having proof of insurance, drivers ready to apply for a loan need to arm themselves with a few other pieces of information. For example, prospective buyers need to have proof of identity and residence, which can be supplied in the form of a standard, government-issued photo identification and a utility bill with your name and address on it. Proof of income is also important and can generally be satisfied by pay stubs or bank statements. You should make sure you have all of this information before heading to a bank or dealership to begin the financing process. 

Once you have all of the materials you need, you can head to New Jersey State Auto Auction and begin searching for a used car that fits your style and budget. The auction lot has a variety of CARFAX-certified cars, vans and trucks in price ranges that suit almost any buyer.