Vehicle Pickup Checklist After Financing

Picking up your new Kia should be quick and stress-free. Use this step-by-step checklist from Ken Ganley Kia Mentor so you bring the right documents on delivery day. We serve drivers across Mentor, Painesville, Willoughby, Eastlake, Kirtland, and Lake County, Ohio.

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Quick Checklist (Tap to Check Off)

Down payment amount decided
Driver’s license (out-of-state: also bring Social Security card)
If no Social Security card: bring passport or Visa + driver’s license
Insurance card (digital or physical)
Two most recent pay stubs or other proof of income (dated within 30 days)
If contract/gig worker: 1099s or W-2s
Proof of residence (current bill; not past due; not a shutoff notice)
Trade-in title (if applicable)
If still paying on trade-in: lender/bank name
If trade must be towed: VIN and mileage
Special finance references list (name, address, phone; must not live with you)

Down Payment, ID & Insurance

Down payment: Know in advance how much you plan to put down. More is always better—it reduces your monthly payment and interest, especially if your credit score isn’t at the top of the range.

Driver’s license: Please bring a valid driver’s license. If you live in a state other than Ohio, we will also need your Social Security card. If you do not have a Social Security card, bring your passport or Visa and your driver’s license.

Insurance card: Bring an up-to-date insurance card (digital or physical) so we can verify coverage before you drive home.

Income & Proof of Residence

Proof of income: Bring your two most recent pay stubs or other proof of income. These must be dated within 30 days. If you are a contract or gig worker, please bring your 1099s or W-2s.

Proof of residence: A recent bill is fine, but it must not be past due and not a shutoff notice. Those understandably make banks nervous.

If you know that you will be seeking special finance, it’s a good idea to have a list of references: name, address, and phone number. Your references don’t count if they live with you.

If You Have a Trade-In

Title: Bring the title for your trade-in. If you are still making payments on it, we need to know which bank or lender you pay.

Towed-in vehicles: If it must be towed in, we will need its VIN number and current mileage.

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What to Expect on Pickup Day

1: Vehicle walk-through, feature setup (Bluetooth, Kia Connect), and delivery.
2: We verify your documents (ID, insurance, income, residence).
3: We complete final finance paperwork and collect your down payment.
4: Trade-in appraisal and payoff confirmation (if applicable).

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What to Bring — Visual Guide

Bring valid ID, insurance, current income docs, and a bill that isn’t past due.

Frequently Asked Questions

1: Can I show my insurance card on my phone?
Yes, a digital insurance ID is acceptable in most cases as long as we can verify active coverage matching your new vehicle.

2: Do co-signers need to be present?
In most cases, yes—co-signers must present valid ID and sign final paperwork. If remote options are needed, contact our team ahead of time.

3: What forms of down payment are accepted?
We accept several forms of payment. For specifics and limits, please reach out before your visit so there are no surprises at delivery.

4: What if my proof of residence shows a past-due balance?
Please bring a different current bill that is not past due and not a shutoff notice. Lenders require a current document.

Information on this page reflects common lender documentation standards for customers in Mentor and Lake County, OH. Individual lenders may require additional items; our team will confirm any extra steps when you apply.

Serving drivers from Mentor, Painesville, Willoughby, Wickliffe, Eastlake, Kirtland, and across Northeast Ohio.