Applying for a Car Loan With Your ITIN

Applying for a Car Loan With Your ITIN

Everyone needs a car, and many of us can't afford to pay a large sum of cash on a new or used vehicle all at once. If you need to apply for a car loan but don't have a Social Security number, you can use an Individual Taxpayer Identification Number (ITIN) instead. In certain situations, you may be a resident without a Social Security number, which is the primary identification number we use to verify an individual's identity and credit history. At Nissan of Bakersfield, we understand the requirements for securing an affordable car loan. Contact our team today to get your application started.

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What Is an ITIN?

An Individual Taxpayer Identification Number (ITIN) is a nine-digit number assigned to certain non-citizens residing in the U.S. for federal tax purposes only. If you don't qualify for a Social Security Number (SSN), you may have an ITIN, which you can use to apply for a car loan.

The Importance of Good Credit

Individuals with ITINs build a credit history and have credit scores through credit bureaus like Experian, TransUnion, and Equifax. ITIN is used to access and accumulate a credit history, which is the primary information lenders use to determine if you are a good candidate for financing or leasing. A good credit score lets lenders know you have a good reputation for making timely payments and repaying debt. A good credit score will also help you secure a lower interest rate, making your monthly payments more affordable and reducing the costs of taking out a loan.

Our finance team at Nissan of Bakersfield understands that there are some situations where an individual may have low or no credit. It takes time to build a credit history and increase your credit score. It's even tougher for people with ITINs to build credit because not all lenders report credit history to the three credit bureaus with ITINs. No matter your credit, our finance experts are happy to work with you and help you secure financing for your next vehicle.

Tips for Securing Financing for a Vehicle

Our goal is to simplify the car shopping experience and make it easy for you to apply for the financing you need to get into a reliable car. Here are some quick tips to help you secure vehicle financing at Nissan of Bakersfield:

  • Check your credit: People with ITINs can access a free annual credit report from the three main credit bureaus, Experian, Equifax, and TransUnion.
  • Know your budget: Review your finances, take care of outstanding debt or late payments, and shop within your price range to ensure credit approval.
  • Gather the necessary information: You will need several key pieces of documentation to apply for financing, including your ITIN documentation, proof of income, proof of residency, and a valid form of identification.

Why Choose Nissan of Bakersfield for Financing

Our Finance Center at Nissan of Bakersfield is a great resource for car shoppers looking for affordable options on their next vehicle. Not only do we offer ITIN financing, but we also offer leasing on new Nissan vehicles and excellent resources and benefits when you choose to finance with our dealership. We welcome you to use your preferred lender, but we also offer a convenient way to secure financing for residents with no SSN. U.S. Citizens and non-citizens have plenty of options when it comes to securing a reliable vehicle at our dealership in Bakersfield, CA.

Affordable Payments

No matter your credit situation, we can help match you with the right vehicle with monthly payments that work for your budget. Everyone deserves a reliable vehicle they can count on to get to and from work and wherever their travels take them. Our finance experts can compare the options, crunch the numbers, and help you secure terms that fit your needs.

Exclusive Incentives and Perks

Using your preferred lender for your new or used vehicle purchase is possible. However, choosing our finance offers allows you to save with our current specials or incentives. We can typically match or offer you a better interest rate. Ask our finance team how we can help you save on your next vehicle finance or lease.

We Work With All Credit Scores

Low, no, or poor credit: there are many reasons why you may not have the highest credit score. Many reasons are of no fault to you, including not having an SSN or simply being young and not having had enough credit history to determine your credit score. Whatever the reason, we can help you overcome a low or no credit history with affordable solutions that work with your budget.

Exceptional Customer Service

Our friendly team at Nissan of Bakersfield is committed to offering exceptional customer service no matter where you are on your vehicle ownership journey. Whether you are shopping for your first car, are new to the U.S., or are a long-time Nissan fan, we have your needs covered with meaningful credit solutions designed to make your next car more affordable.

How to Get Vehicle Financing with No SSN

Applying for an ITIN vehicle loan is just as simple as it is for folks with an SSN. You'll need identification, proof of residence, and contact information for all applicants to apply for a vehicle loan. We recommend scheduling an appointment with our finance team to make the process go more smoothly.

Frequently Asked Questions

Questions about ITIN vehicle financing? Our team is here to help! We have compiled a list of frequently asked questions to help you get the information you need to make an informed decision. We want to assure you that the application process to secure a vehicle loan with an ITIN is just as easy as it is for people with SSNs. Should you have any questions or want to compare your options, please let our team know how we can assist you.

An ITIN is issued by the U.S. federal government through the IRS. Not everyone can qualify for an ITIN, and it is reserved for certain situations, including the following:

  • Resident non-U.S. citizens present in the U.S. for more than 183 days or lawful permanent residents
  • Nonresident, non-U.S. citizens

Yes! At Nissan of Bakersfield, our finance team can help drivers with no SSN obtain affordable financing or leasing terms.

Yes! Our finance experts encourage drivers who don’t qualify for an SSN but have an ITIN to apply for credit. Note: not everyone is eligible for an ITIN, and you cannot obtain one just to get a car loan.

Yes! Our finance team can help drivers with no or low credit secure financing that fits within their budgets.

If you are a driver with an ITIN, you will need the following documentation for your vehicle finance application:

  • Proof of ITIN
  • Proof of income
  • Proof of residency
  • Valid Identification

Yes! We accept ITIN for car loans. Contact our Finance Center at Nissan of Bakersfield for more information about your financing options.

  1. Nissan of Bakersfield

    2800 Pacheco Rd
    Bakersfield, CA 93313-3207

    • Sales: (661) 835-8600
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