Buying a car while your driver’s license is suspended complicates the process and at worst is impossible to complete. Whether or not you can do so depends on state law, dealer policy, reasons for the suspension, and who the car is for. You usually don’t need a valid driver’s license to buy a car – but you do need one to sign up, insure and drive it.
Buy for someone else.
You will have the best chance of buying a car with a license hanging if you are buying that car for someone else. If you are looking to buy a car for your child or spouse and register that car with that individual’s name, you will be able to complete the purchase. Of course, you still won’t be allowed to drive this car, so if you buy a car for a minor, someone else will have to drive it away.
Buy for yourself.
Most state laws that do not prohibit the purchase of a car with a driver’s license have been suspended. Many states even offer provisions that allow residents to drive with licenses suspended in restricted circumstances, such as getting to work and going to work, medical appointments, or activities ordered by a court. However, you still have to meet other state requirements, such as registering a car and buying insurance. Pennsylvania, for example, has no law that prevents this, although you must provide proof of insurance. You can buy a car, but registration and insurance are another matter. Florida won’t issue cards for your car with certain types of suspension.
Financial support for cars
Financing a vehicle while your license is suspended can be a break factor in the agreement, depending on the policies adopted by the particular lender and dealer. It can be a red flag for lenders, especially if the suspension is the result of a serious violation of motor vehicles and lenders are concerned that you could get behind the wheel again. Some banks may be willing to offer loans, depending on your relationship with them. If your suspension is for some reason, not a serious violation, write down the reason and explain how you intend to correct the situation. Otherwise, you have to wait until your suspension is lifted, or find another way to pay for the car.