What documents must a 4S store provide when financing a car purchase?
3 Answers
When financing a car purchase, the 4S store must provide the following documents: 1. Purchase invoice, vehicle certification, vehicle conformity certificate, and motor vehicle registration certificate; 2. Warranty proof, vehicle user manual, and new car delivery confirmation form; 3. Driving license and vehicle insurance policy. If the 4S store is responsible for license plate registration and insurance processing, they must also provide the original insurance policy, insurance invoice, compulsory traffic insurance invoice, vehicle and vessel tax invoice, purchase tax invoice, tax payment certificate, and compulsory traffic insurance label. During the car purchase process, it is necessary to check and verify whether the vehicle certification matches the information on the vehicle's nameplate, such as the engine number, chassis number, manufacturing date, displacement, and vehicle model.
From my own experience with financing a car purchase, the dealership must provide you with quite a few documents. First is the purchase invoice - this is the core document proving payment, and you can't register the vehicle without it. Next is the loan contract detailing repayment amounts and terms, which you must sign to avoid misunderstandings. Insurance documents are essential, especially the compulsory traffic insurance certificate card - you need this before driving off. The vehicle conformity certificate is crucial for new car registration - verify all information matches the model. Don't forget two sets of car keys, including remotes. I also recommend checking the duplicate vehicle registration certificate copy - although the bank holds the original as collateral, having a backup facilitates future processes. During pickup, take time to inventory everything - don't rush off, as missing items could affect safe driving and DMV procedures.
As someone who pays attention to automotive details, I believe the essential documents for picking up a car on loan cover multiple aspects. The original car purchase invoice is fundamental, reflecting ownership and transaction details. The loan agreement must be obtained in signed form, as it clarifies the interest rate and repayment plan. Don’t overlook the insurance certificate—the compulsory traffic insurance slip should be provided together to avoid being stopped for inspection. The vehicle conformity certificate is used to prove the new car’s compliance, ensuring it meets environmental and performance standards. Additional points include ensuring the key set is complete and having a copy of the vehicle registration documents. The bank will hold the original as collateral, but the copy can help you handle temporary needs. Don’t be careless about this—actively request and verify signatures during the pickup process to prevent disputes or delays in license plate processing later.
