What to Bring to a Florida BHPH Dealer

Florida driver's license, state ID card, or passport. Must be current and not expired. Out-of-state IDs are usually accepted but check with the dealer first.

Your two most recent pay stubs work best. If self-employed: 3 months of bank statements or a signed letter from a client. If on SSI/disability/pension: award letter or bank statement showing regular deposits. Cash income may also be accepted with a letter from an employer.

Most dealers want two forms: utility bill (electric, water, cable), bank or credit card statement, lease or mortgage agreement, or mail from a government agency. Must show your current address and be recent (within 30–60 days).

Have your down payment ready — typically $500 to $2,500+ in Florida. Cash is preferred at most BHPH dealers. Some may accept cashier's checks, money orders, or debit cards. Call ahead to confirm accepted payment methods.

Florida requires full coverage insurance on BHPH vehicles. You can often get a same-day insurance quote from Progressive, State Farm, GEICO, or a local broker. Some dealers work with insurance agents on-site. The vehicle VIN is needed for the policy.

Bring a list of 3–5 people who know you well — friends, family members, or coworkers. Include their full name, relationship to you, and phone number. References should NOT be living at your same address.

A valid cell phone or landline that the dealer can reach you at. This is used for follow-up calls and payment reminders. Some dealers verify the number on the spot.

If you want to trade in your current vehicle, bring the vehicle itself and the title (or proof you're paying off the loan). If you still owe money, bring the payoff amount from your lender.