How many months of employment do I need to get a car loan?

I've been working a job for about three months, but getting to work without a car is troublesome. I always have to ask coworkers for rides and they seem to be getting tired of the arrangement. Honestly, I don't blame them, and I think I want to finance a car instead. How many months of employment do I need to be able to get a car loan?

Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your new job! Although getting a
car loan
with limited recent employment history is difficult, it’s not impossible.
Generally speaking, lenders want to see at least six months of pay stubs for adequate proof of income. However, local banks and credit unions may accept three months of pay stubs, especially if you have a long-lasting relationship or good rapport with the bank. Shopping around will help you find lenders that are willing to work with you!
While you’re shopping around for a car loan, remember that you should also shop around for car insurance. Lenders require full coverage car insurance for any financed vehicle, so shopping around can help save you money.
If you want to get the best deal possible, check out the
app. We’ll get you customized quotes from different providers so that all you need to do is pick the plan that works best for you!
Congrats again on the new job, and best of luck with the loan!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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