How to buy a car

without a Social
Security number

Are you in a situation where you don't yet have a Social Security number but still need quality transportation? At Maxon Buick GMC in Union NJ, we are one of the rare car dealers who can actually help you get a car even if you don't have a Social Security number. We specialize in helping get a car loan with their ITIN number. We know you need a car to earn a living so here are some of the steps we'd take together.

Is it really true that I can buy a car without a Social Security number?

Yes, one of the primary strategies is to apply for a car loan using your tax ID number. Keep in mind that nearly all purchases over $10,000 must be reported to the IRS and that means you would need a Social Security number. In that light, it will be important to keep your car purchase under $10,000.

How do you get an income tax ID number (or ITIN)?

Having a tax ID number is a critical step in allowing our dealership to help you get a car loan. In order to make that happen, you'll need several key documents. Visit our dealership and bring your passport, your bank account statement or a household bill like a utility statement and an ITIN letter. When you drive here from Green Brook or Woodbridge, NJ and supply us with that documentation, one of the specialists in our finance center can help you take the next steps.

Is it really true that I have to spend less than $10,000 on a car?

Yes, every dealership including ours is required to report almost all financial transactions worth $10,000 or more to the Internal Revenue Service. Even if you are paying cash for the car, we will still need to get your Social Security number in order to complete the transaction. While it's true that this makes it extremely difficult to find a car that fits this requirement, we will make every effort to find a vehicle that you can drive home.

Can I get a car loan with my ITIN number?

Yes, we can put you in touch with lenders who are willing to give you a car loan even without a Social Security number. These are rare lending resources but we are in the business of helping people get the transportation they need to get on with their lives. You can also get car insurance without having a Social Security number and we can help guide you to resources that can make that happen. It's just important that you work with a dealer like Maxon Buick GMC that's committed to helping people solve challenging problems.

One other possibility is to pay cash for the car you want

Although saving enough cash for a used car may seem like a huge challenge, it's not unheard of. In fact, according to the New York Times, more than 25% of people who purchase a used car do so with cash. The cash may come from a pre-arranged loan or simply from savings, but cash can greatly simplify the process of getting a car. Once again, however, if the car you buy from us is more than $10,000, we will need your Social Security number.

The best approach: Come visit us in person and let's figure out some answers

There's no question that buying a car without a Social Security number is tough, whether you live in Jersey City, Newark or any other nearby community. But we stand ready to help you all we can at Maxon Buick GMC in Union NJ.

How Can We Help?

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  1. Maxon Buick GMC

    2301 RT 22 West
    Union, NJ 07083

    • Sales: (908) 768-2036
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  • Contact our Sales Department at: (908) 768-2036
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