Things You'll Need:
- At least 3 months of pay stubs
- Last year's tax documents
- Any statements showing that you recently paid off any loans or credit cards
- A nice outfit
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Step 1
Dress nicely. This doesn’t mean guys have to wear a suit and tie. This also doesn’t mean that women have to wear a dress and high heels. What this means is that you need to dress neat, clean and look as presentable as possible.
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Step 2
Gather your documents proving how much you have earned for at least the last 3 months. If you made any extra money on the side and can prove it, bring that information along, too. You must have or know your social security number. It is also a good idea to have your driver’s license with you.
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Step 3
Take along last year’s tax forms, just in case. Some loan companies will require these, especially if you are a new customer or if this is a large loan.
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Step 4
Have you paid any loans or credit cards off lately? If you have, be sure to take with you that last pay stub that shows a zero balance. The loan may not show that it is paid off on your credit report. By having solid written proof, you may get a better loan rate.
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Step 5
If you get the loan, read all the paperwork. Make sure you understand how much is owed, and when. Also ask if you can pay the loan off early, without paying an early pay off fee.
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Step 6
Put the loan papers away in a safe place.
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Step 7
Mark it on the calendar when your first loan payment is due.
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Step 8
Make your payments promptly each month and pay more, if you can.
