: Dealers need to verify you have a steady income to handle payments. Common documents include: Pay stubs : Typically your most recent 30 days of stubs.

: Usually the last 2–3 months to show consistent deposits.

To secure financing at a "buy here pay here" (BHPH) dealership in Virginia Beach, you typically need to provide documentation that proves your identity, income, and residence, as these dealers act as both the seller and the lender. Because they generally do not rely on traditional credit scores, these papers are essential for their in-house approval process. Core Required Documents

: To confirm your stability in the Virginia Beach area, bring a document dated within the last 30–60 days that matches your ID. Acceptable items include: Utility bills (electric, water, or gas). A signed lease agreement or mortgage statement. Official government mail.

: Particularly for self-employed applicants.

: A valid, non-expired government-issued photo ID , such as a Virginia driver’s license, is mandatory.

: Most BHPH programs require a list of 2–10 references, including names, relationships, and current phone numbers for friends, family, or co-workers.