 A borrower will seek the services of a lender either online or at a store location.In order to secure the loan the borrower will need to have certain forms of identification such as a valid government-issued ID like a driver’s license, proof of income, some form of mail to prove residency, car registration, a lien-free car title in their name, references, and car insurance, though not all states require lenders to show proof of auto insurance.The maximum amount of the loan is determined by the collateral.