How do buy here pay here lots verify your income? Do they call your job?

Yes, many of them call your employer — and because income is what they're lending against rather than credit, they verify it more carefully than a bank might.

The call is usually brief and to the point: they confirm you work there, how long you've been there, and sometimes your pay. They don't discuss your finances or say why they're calling unless asked. If you'd rather they didn't ring the main line, say so and offer a direct number for HR or your manager — most lots will use it.

Alongside the call they'll want thirty days of pay stubs. If you're paid in cash, self-employed, or drive for an app, bring three months of bank statements showing the deposits instead. Consistency matters more than the amount — steady deposits of a modest size read better than large irregular ones.

They'll also verify your address and call your references, so give people who will actually answer their phone and warn them it's coming. An unreachable reference list slows an application down more than people expect.

Other income counts. Social Security, disability, VA benefits, a pension and child support are all income these lots accept, usually shown with an award letter or benefit statement.