Buy a Car with no SSN in Delaware

Buy a Car with an ITIN in Delaware?

Posted on February 06, 2026

Can You Buy a Car with an ITIN in Delaware? Everything You Need to Know

If you're living in Delaware and don’t have a Social Security Number (SSN), you may still be able to buy a car using an Individual Taxpayer Identification Number (ITIN). An ITIN is issued by the IRS to individuals who need to file taxes but are not eligible for an SSN, including non-residents, undocumented immigrants, and foreign nationals.

This blog explores how you can purchase a vehicle with an ITIN in Delaware—including your options for registration, financing, and insurance—and how My Car works with diverse buyers across Wilmington, Newark, and Dover.

application for IRS individual

What is an ITIN?

An ITIN (Individual Taxpayer Identification Number) is a tax processing number issued by the IRS. It is used primarily by individuals who are not eligible for a Social Security Number but need to comply with U.S. tax laws.

(Reference: IRS – https://www.irs.gov/individuals/individual-taxpayer-identification-number)

Can You Buy a Car with an ITIN in Delaware?

Yes, you can purchase a vehicle in Delaware using an ITIN. Dealerships like My Car can complete the sale as long as you have valid identification, proof of residence, and a way to fund or finance the purchase.

You do not need a Social Security Number to buy a car outright with cash. For financing, however, requirements vary depending on the lender. Some lenders accept ITINs in place of SSNs, while others may require additional documents such as:

A valid government-issued photo ID or passport
Proof of residence (utility bill, lease agreement)
Proof of income (pay stubs, tax returns)
ITIN letter or tax documentation

Finance a Car with an ITIN in Delaware

Can You Finance a Car with an ITIN in Delaware?

Yes, some lenders in Delaware and nationwide offer auto loans to individuals with an ITIN. These lenders evaluate creditworthiness using alternative documents and payment history.

At My Car, we work with lending partners who accommodate buyers with ITINs. While terms may vary, we assist you through the pre-approval process and required documentation.

(Reference: CFPB – https://www.consumerfinance.gov/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-or-dealership-en-887/)

Can You Register a Vehicle with an ITIN in Delaware?

Delaware DMV does not require a Social Security Number to register a vehicle, but you must provide valid identification and proof of residency. Accepted documents typically include:

Foreign passport with visa
Delaware utility bill or lease
Vehicle title and proof of insurance

It’s recommended to contact your local DMV office in Wilmington or Dover for the most up-to-date guidance.

(Reference: Delaware DMV – https://www.dmv.de.gov)

Get Auto Insurance with an ITIN

Can You Get Auto Insurance with an ITIN?

Yes, many insurance companies in Delaware offer coverage to drivers with ITINs or no SSNs. Insurers may use your driving history, vehicle details, and address to generate a quote. Some insurers specialize in serving immigrant communities and may accept alternative documentation.

Final Thoughts: You Can Buy a Car with an ITIN in Delaware

Buying and financing a car with an ITIN in Delaware is not only possible—it’s becoming more common. Dealerships like My Car are here to support all qualified buyers regardless of SSN status. Whether you’re paying cash or applying for a loan, we’ll walk you through the process step-by-step.

Visit our Financing Center to explore your options or stop by My Car in Wilmington for in-person assistance.