Financing Stipulations

Address Variance Required Documentation

The address, name, or social security number provided on your credit application may differ from the information provided in the credit report used by the financial institution evaluating your request for credit.  To ensure that the credit report relates to you and to confirm the accuracy of your address, you must provide additional documentation from one of the following categories.

Category A (any one of the following matching the application address):

  • Current vehicle registration
  • Current voter registration

Category B (any one of the following matching the application address and Bill or statement date, not payment due date, which must be within 30 days of purchase):

  • Utilities
    • Gas Bill
    • Water Bill
    • Electricity Bill
    • Phone - contracted (mobile or landline) Bill
    • Phone - non-contracted, pre-paid, or month-to-month (mobile or landline) Bill
      • Requires proof of continuous service for three months (no exceptions)
          • Contact your local CarMax for details
    • Cable or Satellite Bill
    • Trash / Sanitation Bill
  • Monthly Statement
    • Mortgage
    • Apartment complex monthly statement
    • Bank
    • Credit Card
    • Brokerage or Investment Account
  • Closing Disclosure from home purchase
  • Home Owner’s Association (HOA) bill or statement
  • Medical bill

Note: If you have been at your residence less than 60 days and have not received any of the above, you may provide a connection notification or confirmation of service from a utility company as defined above if the document includes the following preprinted information: your name, address and date

  • Handwritten customer information is not acceptable
  • An emailed utility connection confirmation notice is acceptable as long as the sender field clearly denotes the utility company

Active Duty Military

  • If you live in a barracks on base or on board a ship you may provide a copy of their your most recent orders to satisfy Proof of Residence
  • If you live off base or off ship you must provide standard Proof of Residence from the list above 
  • If you are applying for financing through CarMax you must use the address where you are living or stationed at the time of application, not your permanent address or address of record

Native Americans living on tribal land

  • Of you reside on tribal land, e.g. Reservations, Pueblos, Rancherias, etc. may provide a letter from the tribal council providing specific details (directions or a map) about the customer’s place of residence.

Revised 4.11.17

[{"Keyword":"appraisal","RedirectLocation":{"Anchor":"","Class":"","Text":"sell-my-car","Query":"","Title":"","Url":"/sell-my-car","Target":"","TargetId":"5c0dfe16-dfbc-46b2-a761-950b0a0f4b2e","Type":4}},{"Keyword":"billpay","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"bill pay","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"CarMax Auto Finance","RedirectLocation":{"Anchor":"","Class":"","Text":"carmax-auto-finance","Query":"","Title":"","Url":"/car-financing/carmax-auto-finance","Target":"","TargetId":"7f5c98cf-5f6d-4bb9-a448-80fc70586bde","Type":4}},{"Keyword":"Careers","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://jobs.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Customer Service","RedirectLocation":{"Anchor":"","Class":"","Text":"contact-us","Query":"","Title":"","Url":"/about-carmax/contact-us","Target":"","TargetId":"0a9d3175-0c81-4429-ae2d-6f8b6249c204","Type":4}},{"Keyword":"donation","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://foundation.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"employment","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://jobs.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Finance","RedirectLocation":{"Anchor":"","Class":"","Text":"car-financing","Query":"","Title":"","Url":"/car-financing","Target":"","TargetId":"476ec935-ceb6-49a0-ae0b-307de45edd3a","Type":4}},{"Keyword":"Financing","RedirectLocation":{"Anchor":"","Class":"","Text":"car-financing","Query":"","Title":"","Url":"/car-financing","Target":"","TargetId":"476ec935-ceb6-49a0-ae0b-307de45edd3a","Type":4}},{"Keyword":"foundation","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://foundation.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Fuel Economy","RedirectLocation":{"Anchor":"","Class":"","Text":"mpg-calculator","Query":"","Title":"","Url":"/research/mpg-calculator","Target":"Active Browser","TargetId":"eae991f3-2914-48bc-b753-1ab66c5a56cb","Type":4}},{"Keyword":"Glovebox","RedirectLocation":{"Anchor":"","Class":"","Text":"the-glovebox","Query":"","Title":"","Url":"/about-carmax/the-glovebox","Target":"","TargetId":"539a4e5b-8263-4e31-ad11-79962f09cb92","Type":4}},{"Keyword":"Investor","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://phx.corporate-ir.net/phoenix.zhtml?c=125417&p=irol-irhome","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"investor relations","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://phx.corporate-ir.net/phoenix.zhtml?c=125417&p=irol-irhome","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"jobs","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://jobs.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Login","RedirectLocation":{"Anchor":"","Class":"","Text":"sign-in","Query":"","Title":"","Url":"/mycarmax/sign-in","Target":"","TargetId":"462ff1ba-c0c7-4329-a281-24cf1a5fcd04","Type":4}},{"Keyword":"log in","RedirectLocation":{"Anchor":"","Class":"","Text":"sign-in","Query":"","Title":"","Url":"/mycarmax/sign-in","Target":"","TargetId":"462ff1ba-c0c7-4329-a281-24cf1a5fcd04","Type":4}},{"Keyword":"Make A Payment","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"MaxCare","RedirectLocation":{"Anchor":"","Class":"","Text":"maxcare-service-plans","Query":"","Title":"","Url":"/car-buying-process/maxcare-service-plans","Target":"","TargetId":"9a82eea1-92ea-487d-8387-43967098d54e","Type":4}},{"Keyword":"max care","RedirectLocation":{"Anchor":"","Class":"","Text":"maxcare-service-plans","Query":"","Title":"","Url":"/car-buying-process/maxcare-service-plans","Target":"","TargetId":"9a82eea1-92ea-487d-8387-43967098d54e","Type":4}},{"Keyword":"MyCarMax","RedirectLocation":{"Anchor":"","Class":"","Text":"sign-in","Query":"","Title":"","Url":"/mycarmax/sign-in","Target":"","TargetId":"462ff1ba-c0c7-4329-a281-24cf1a5fcd04","Type":4}},{"Keyword":"Online Payment","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Pay Bill","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"payment","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Payment","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://www.cafpayments.com","Target":"","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"payment calculator","RedirectLocation":{"Anchor":"","Class":"","Text":"car-payment-calculator","Query":"","Title":"","Url":"/car-financing/car-payment-calculator","Target":"","TargetId":"ff17d4f4-c154-4f40-a6a1-9940bf42a2ee","Type":4}},{"Keyword":"philanthropy","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://foundation.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Press","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://phx.corporate-ir.net/phoenix.zhtml?c=232927&p=irol-overview","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Pressroom","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://phx.corporate-ir.net/phoenix.zhtml?c=232927&p=irol-overview","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Press Room","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://phx.corporate-ir.net/phoenix.zhtml?c=232927&p=irol-overview","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Quality","RedirectLocation":{"Anchor":"","Class":"","Text":"quality-certified-cars","Query":"","Title":"","Url":"/car-buying-process/why-carmax/quality-certified-cars","Target":"","TargetId":"c1d5624c-e406-45a3-bc44-08c8a0026ef5","Type":4}},{"Keyword":"Recall","RedirectLocation":{"Anchor":"","Class":"","Text":"recall-faq","Query":"","Title":"","Url":"/car-buying-process/recall-faq","Target":"","TargetId":"1e3a4788-b21b-408e-ae7d-cbbf297a991e","Type":4}},{"Keyword":"recruiting","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://jobs.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Reliability","RedirectLocation":{"Anchor":"","Class":"","Text":"research","Query":"","Title":"","Url":"/research","Target":"Active Browser","TargetId":"379d0fe4-36d6-4176-98b2-e40d17225d4b","Type":4}},{"Keyword":"research","RedirectLocation":{"Anchor":"","Class":"","Text":"research","Query":"","Title":"","Url":"/research","Target":"","TargetId":"379d0fe4-36d6-4176-98b2-e40d17225d4b","Type":4}},{"Keyword":"Safety","RedirectLocation":{"Anchor":"","Class":"","Text":"research","Query":"","Title":"","Url":"/research","Target":"Active Browser","TargetId":"379d0fe4-36d6-4176-98b2-e40d17225d4b","Type":4}},{"Keyword":"Search","RedirectLocation":{"Anchor":"","Class":"","Text":"search","Query":"","Title":"","Url":"/search","Target":"","TargetId":"02e96e41-3d6e-4cc4-a6d1-1963115d5a3b","Type":4}},{"Keyword":"sell my car","RedirectLocation":{"Anchor":"","Class":"","Text":"sell-my-car","Query":"","Title":"","Url":"/sell-my-car","Target":"","TargetId":"5c0dfe16-dfbc-46b2-a761-950b0a0f4b2e","Type":4}},{"Keyword":"Sell Your Car","RedirectLocation":{"Anchor":"","Class":"","Text":"sell-my-car","Query":"","Title":"","Url":"/sell-my-car","Target":"","TargetId":"5c0dfe16-dfbc-46b2-a761-950b0a0f4b2e","Type":4}},{"Keyword":"Store","RedirectLocation":{"Anchor":"","Class":"","Text":"stores","Query":"","Title":"","Url":"/stores","Target":"","TargetId":"feb20b45-e730-481c-8821-950e4f050aa1","Type":4}},{"Keyword":"store job","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://jobs.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"store position","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://jobs.carmax.com","Target":"","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Trade","RedirectLocation":{"Anchor":"","Class":"","Text":"sell-my-car","Query":"","Title":"","Url":"/sell-my-car","Target":"","TargetId":"5c0dfe16-dfbc-46b2-a761-950b0a0f4b2e","Type":4}},{"Keyword":"Trade In","RedirectLocation":{"Anchor":"","Class":"","Text":"sell-my-car","Query":"","Title":"","Url":"/sell-my-car","Target":"","TargetId":"5c0dfe16-dfbc-46b2-a761-950b0a0f4b2e","Type":4}},{"Keyword":"Trading In","RedirectLocation":{"Anchor":"","Class":"","Text":"sell-my-car","Query":"","Title":"","Url":"/sell-my-car","Target":"","TargetId":"5c0dfe16-dfbc-46b2-a761-950b0a0f4b2e","Type":4}},{"Keyword":"Volunteer","RedirectLocation":{"Anchor":"","Class":"","Text":"","Query":"","Title":"","Url":"http://foundation.carmax.com","Target":"_blank","TargetId":"00000000-0000-0000-0000-000000000000","Type":2}},{"Keyword":"Warranty","RedirectLocation":{"Anchor":"","Class":"","Text":"maxcare-service-plans","Query":"","Title":"","Url":"/car-buying-process/maxcare-service-plans","Target":"","TargetId":"9a82eea1-92ea-487d-8387-43967098d54e","Type":4}},{"Keyword":"Warrenty","RedirectLocation":{"Anchor":"","Class":"","Text":"maxcare-service-plans","Query":"","Title":"","Url":"/car-buying-process/maxcare-service-plans","Target":"","TargetId":"9a82eea1-92ea-487d-8387-43967098d54e","Type":4}}] {"Finance-Application":{"WhiteList":[7106,7242,6021,7103,7104,7117,7243,7171,7197,6042,7150,7284,7218],"BlackList":[]},"Finance-Application-CoApp":{"WhiteList":[7117,7106,7171,7150,7218,7284,7242,6042,6021,7103,7104,7243,7197],"BlackList":[]},"Finance-Application-Suppress-Search-Results":{"WhiteList":[7106,7171,7197],"BlackList":[]},"Home-Delivery":{"WhiteList":[7106,7171,7197],"BlackList":[]}} {"HP Article Promo":{"Regex":{"__interceptors":[{}],"Regex":"[0123456789abcdef]$"}},"Prequal":{"Regex":{"__interceptors":[{}],"Regex":"[0123456789abcdef]$"}}}
{"auto-address-switch":{"Enabled":false},"holdformvariantswitch":{"Enabled":false},"paidsearchurlitemsavingswitch":{"Enabled":true},"prequal-employment-and-income-switch":{"Enabled":false},"prequal-monthly-payment-preview-switch":{"Enabled":true},"prequal-on-calculator-switch":{"Enabled":true},"prequal-overtime-rate-switch":{"Enabled":false},"prequal-section-one-variant-switch":{"Enabled":true},"recommendedvehiclessearchresults":{"Enabled":true},"rendermakemodelresearchresultsonserver":{"Enabled":true},"rendermakemodelyearresearchresultsonserver":{"Enabled":true},"rendermakeresearchresultsonserver":{"Enabled":true},"research-pages-redirector-toggle":{"Enabled":true},"robots-txt-toggle":{"Enabled":true}}