How do I set up my auto financing account?

1. Start the onboarding chat – Open the assistant on our website to begin. The AI agent (built with Chatref) guides you through each field.
2. Enter basic information – Provide your full name, contact details, Social Security number, and date of birth.
3. Provide vehicle and loan details – Tell the agent the make, model, year, VIN (if available), and desired loan amount or term.
4. Submit required documents – The assistant uses custom actions to securely capture and upload your files without leaving the chat.
5. Review and confirm – The AI agent shows a summary of your application. Correct any errors, then confirm.

This whole flow leverages Chatref’s onboarding and custom-actions capabilities, so you never leave the chat window and everything is collected step-by-step.

• Government-issued photo ID – Driver’s license, state ID, or passport.
• Proof of income – Recent pay stubs (last 30 days), W-2, or tax return.
• Proof of residence – Utility bill, lease agreement, or mortgage statement (dated within 60 days).
• Vehicle information – Purchase agreement, dealer invoice, or current registration if refinancing.
• Insurance declaration page – Showing coverage for the vehicle you’re financing.

The AI assistant’s custom actions will prompt you for each document and validate the file format automatically.

Your identity is verified right inside the chat.

• Knowledge-based authentication – The AI agent (powered by Chatref) asks a few multiple-choice questions based on your credit file. Answer correctly to confirm.
• Document selfie match – Upload a live selfie when prompted; the assistant compares it with your ID photo.
• One-time passcode – A code is sent to the phone number you provided. Enter it in the chat to complete verification.

The AI agent handles the entire sequence, flagging any issues instantly so you can resolve them on the spot.

Enable these right after account creation to keep your account safe and current.

• Two-factor authentication (2FA) – Choose SMS or an authenticator app. The assistant will guide you through setup.
• Login alerts – Receive emails or texts whenever a new device logs into your account.
• Payment method & AutoPay – Add a bank account or debit card. Toggle on automatic payments to never miss a due date. The AI agent confirms the schedule and saves your preferences.

What documents are needed to create an account?

You’ll need a valid government-issued photo ID, recent proof of income (pay stubs or tax return), proof of residence (utility bill or lease), vehicle information (purchase agreement or registration), and an insurance declaration page. The assistant will request each one as you progress.

How do I verify my identity for auto financing?

Verification happens inside the chat. You’ll answer knowledge-based questions from your credit history, submit a live selfie that’s matched to your photo ID, and enter a one-time passcode sent to your phone. The Chatref-powered AI agent walks you through each step.

What security settings should I enable?

Enable two-factor authentication (SMS or authenticator app), set up login alerts for unrecognized devices, and review your contact methods. The assistant can help you configure all of these immediately after account creation.

Can I set up automatic payments?

Yes. During account setup, add a payment method (bank account or debit card) and toggle AutoPay on. The AI agent will confirm your desired payment date and save the schedule. You can adjust AutoPay anytime through the chat or your account settings.