Buying a Car When You Don't Have a Driver's License

If you plan on paying in cash, you don’t need a driver’s license to purchase a vehicle. In fact, you can even buy a car with a learner’s permit. But where you’re going to run into issues is with registration and insurance.

Can You Finance a Car Without a Driver's License?

Buying a Car When You Don't Have a Driver's LicenseBuying a vehicle and financing one are two different things. As we mentioned before, you can buy a car without a driver’s license, and some lenders even accept a valid state ID.

To complete the auto financing process, you need to purchase the vehicle and title it. All of these things can be done without a driver’s license.

But when it’s time to insure and register it, you’re going to get stuck. You need a valid driver’s license to get full coverage insurance for the car, and, in most states, you can’t register a vehicle or buy license plates without insurance.

If you decide to pay in cash, you can title the car in someone else’s name who does have a driver’s license and they can register it. Keep in mind, though, that the vehicle doesn’t legally belong to you at this point because your name isn’t on the title, and, until you get a driver’s license, you can’t legally drive it on public roads.

What if My License is Suspended?

A common question car buyers ask is how having a suspended license affects buying a vehicle. It’s possible to finance a car with a suspended license, but it depends on the state you live in. If you do end up getting approved for financing with a suspended license, be aware that you can’t legally drive until your license is reinstated.

Waiting out the suspension isn’t easy, but it’s worthwhile in the end. Plus, this gives you ample time to check your credit reports and scores, do some vehicle research, plan a budget, and save up for a down payment. If you want to read up on budgeting tips for an auto loan, click here.

The Bottom Line

Whether or not you can buy a car without a driver’s license depends on a number of factors. For the most part, you shouldn’t run into any issues – unless you plan on financing and registering it.

If you recently got a driver’s license, or your suspended license is reinstated and you’re worried your credit is holding you back from financing, we want to help. At The Car Connection, we match consumers to a dealership in their area that specializes in helping buyers with less than perfect credit.

The best part is that our service is easy, free, fast, and puts you under no obligation. Get the process started today by completing our simple and secure auto loan request form.


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