Even without a Social Security Number, you can still apply for an auto loan using your Individual Taxpayer Identification Number (ITIN) or Employer Identification Number (EIN).

An ITIN is a nine-digit number issued by the IRS for people who must file taxes but are not eligible for a Social Security Number. Many local residents —such as resident and nonresident aliens, dependents, and spouses — use it for employment, housing, or financial services.

For many residents near St. Peters, accessing transportation is essential for work, school, and family life. ITIN auto loans give more individuals the opportunity to build credit and gain financial independence.

While ITIN numbers don’t directly build credit history, timely payments through approved lenders can help establish positive standing over time. Credit unions and certain banks are particularly strong partners for ITIN borrowers. They tend to offer competitive rates and community-driven service that supports long-term success.

ITIN financing empowers borrowers to take control of their transportation needs while contributing to their local economy.

When it comes to car loans, ITIN financing works similarly to traditional auto loans. You can complete our secure online pre-approval application in about ten minutes.

Here, you’ll share identification details, proof of income, and basic personal information. Lenders then assess your eligibility based on your ability to repay the loan. Some may also request:

• A valid government-issued ID (driver’s license, passport, or visa)
• Proof of income, such as pay stubs or bank statements
• IRS documentation verifying your ITIN

Once your form is submitted, a finance specialist reviews it and connects you with the best available lender in our network. Most applicants receive a response within hours. From there, you can visit our St. Peters Nissan dealership to finalize your financing, choose your vehicle, and drive home with confidence.

If you prefer an in-person experience, our finance team is ready to walk you through every step (just bring the same resources).