Can you buy a car with a revoked license

Getting a Vehicle during Suspension

Technically, you don’t need a driver’s license to purchase a vehicle, especially if you’re paying in cash. When financing, some lenders will accept a valid state ID, but whether or not you can finance without a valid license depends on lender requirements.

The trouble comes when you’re trying to register and insure the vehicle – which, in most states, you can’t do if you don’t have a valid license. This is because you can’t get insurance without a valid license and anyone financing a vehicle is required to have full coverage insurance in their name. Additionally, in an effort to lower the number of uninsured drivers on the road, most states will require that a vehicle be insured before it can be registered.

It’s also illegal to drive a vehicle under a suspended license. So, you won’t be able to drive your car off the lot even if you were to get over all the hurdles. Every state is different, however, and whether or not you’re able to get all the details worked out can be a matter of where you live.

Waiting out the Suspension

At this point, the best course of action to take is typically to wait until your license is reinstated. Since it pays to be prepared, this is a great time to research vehicles, build your budget, and work on your credit.

• Make a list of features and equipment you must have for your next vehicle.
• Use online tools to help you estimate loan amounts, down payments, and possible loan terms that'll fit into your budget.
• Calculate your debt to income and payment to income ratios.
• Get a copy of your credit reports, so you can ensure accuracy and know what to expect when the lender sees them.
• Know your credit scores.
• Make sure all your paperwork is in order for the dealership, including proof of income, residency, a working phone in your name, and six to eight complete personal references.

Remember, a car loan can be a great way to build credit if you’re struggling with challenges. So, when you’re ready, make sure you take the proper steps.

Once Your License is Reinstated

When you’re in the position to get auto financing and are able to drive a car, Auto Credit Express wants to help put you on the right path. We work with a nationwide network of special finance dealers that have subprime lenders who can work with credit-challenged consumers. Get started today by filling out our

I get how exciting it is to find your dream car—and fortunately for you, you should be able to buy the car, even with your license suspended. Most states have no law to stop you from purchasing a car with a suspended license.

Still, having a suspended license raises some extra hurdles in the process.

• First, you won’t be able to drive the car off the lot (or drive it for the remainder of your suspension!). Of course, once the suspension is up, you should be able to hop behind the wheel of your car again.

• Second, it will be difficult to get insurance for your vehicle. Although it is possible to get car insurance with a suspended license, it’s not easy—so it would probably be best to wait out the suspension before picking up a new car.

• Third, you probably won’t be able to register your vehicle. Since insurance is a requirement for registration, a suspended license will stand in the way of vehicle registration.

At the end of the day, you should be able to buy that car you’ve had your eye on, but waiting out the suspension is never a bad idea. That way, you can jump into the driver’s seat right away and enjoy your new ride.

Most of the time, license suspensions come from driving violations, which can send your insurance rate through the roof. Jerry, our car insurance comparison shopping app, can help you keep your insurance costs low, even after a violation.

Sign up in just 45 seconds, then compare rates from over 50 top insurers, including Allstate, Nationwide, and Progressive. As a licensed broker, we’ll even walk you through the whole process, from canceling your old policy to getting started with your new one.

Need a new vehicle you can rely on to get to work in St. Louis? If your license is temporarily suspended, it doesn’t negate the fact that you need something to drive when the suspension period ends. So you may wonder: can you buy a car with a suspended license? The best-case scenario is that buying a car with a suspended license is possible, but complicated. Learn more with the team at Green Light Auto Credit, below.

Is a Suspended License Considered Valid?

A common question among individuals who’ve had their license suspended is, “is a suspended license considered valid as an I.D.?” So long as the license has not expired, it is still considered valid for identification purposes. But while under suspension, the license is temporarily out of service and you cannot legally drive with it.

What are the Issues That Could Arise When Purchasing a Car with a Suspended License?

Technically speaking, you can purchase a vehicle without a valid driver’s license and instead use your state I.D. But even if you’re successful at doing so, you could run into trouble when you go to insure and register the car; you cannot get car insurance with your name listed as the primary driver without a valid driver’s license, and you cannot register a car that is uninsured in Missouri.

You must also remember, of course, that it is illegal to drive with a suspended license. So, even if you’re able to buy a car at a dealership, you won’t be able to drive it home to St. Charles.

Can You Finance a Car With a Suspended License?

Is it possible to secure an auto loan with a suspended license? It depends on the lender’s policies. Some lenders are willing to accept a valid state I.D. instead of a driver’s license, but many consider a suspended license to be a red flag. If you have a good relationship with your bank and the suspension is not due to a serious offense, there is a chance they might be willing to approve an auto loan without a license.

Can You Register a Car with a Suspended License?

Can you register a car with a suspended license? Technically, it is possible – but it’s complicated. In Missouri, you must have proof of car insurance before you can register your car. If you already had an auto insurance policy in your name before your license was suspended, you may be able to have your insurance provider update the vehicle info on your policy, thus equipping you to register your new car. However, some insurance companies have been known to cancel auto policies if the policyholder has had their license suspended.

You might also be able to join someone else’s auto insurance policy; just know that this might require you to list that policyholder’s name on your car’s title. But as long as your own name remains on the title too, you should be successful in registering a car in Missouri.

In short, it all comes down to your insurance situation. If you don’t yet have valid insurance or you previously held a policy but it was canceled, you cannot register the car. This means that you will likely need to wait until the suspension on your license is lifted, at which point you can get car insurance and then register your car.

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Can You Buy a Car for Someone Else with a Suspended License?

Your highest chance for success when buying a car with a suspended license is if you’re purchasing it for someone else. Let’s say you and your spouse are in need of a new family vehicle. You should be able to purchase the vehicle –– even with a suspended license –– and register it in the spouse’s name. The spouse would need to drive the vehicle off the lot, and you wouldn’t be able to drive it until your license is reinstated.

Waiting for Reinstatement? Check Out These Helpful Tips!

If you’ve come to the conclusion that the best course of action for your circumstances is to wait until your license is reinstated to purchase a vehicle, we have some homework you can do in the meantime so you’re ready to go when the time comes:

• Check your credit reports. Request a copy of your credit report from TransUnion, Equifax, and Experian to check that the information all three major credit bureaus are reporting is correct.
• Work on your credit score. While you wait for your license to be reinstated, this is a great opportunity to work on raising your credit score. The better your score, the better the financing rates you can secure!
• Create a budget. Consider your financial circumstances to determine a budget you should stick to when you do purchase a vehicle.
• Research your options. Would a sedan or an SUV be a better option for your lifestyle? Now is the time to do some vehicle research to determine what type of car you want to buy.

Finance Your Next Car with Green Light Auto Credit

The finance professionals at Green Light Auto Credit are here to help Florissant drivers get back behind the wheel! When you’re prepared to take the next steps, contact us to learn more about our auto loan solutions. We have flexible options for shoppers with bad or no credit and we’re always here to answer your auto financing questions. Apply online to get started today!

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