Buying a car while your driver’s license is suspended complicates the process and is at worst impossible to complete. Whether or not you can do so depends on state laws, dealer policies, reasons for stopping, and who the car is for. You usually don’t need a valid driver’s license to buy a car – but you need one to register, insure and drive it.
Buy for someone else.
You’ll have the best chance of buying a car with a suspended driver’s license if you’re buying that car for someone else. If you are looking to buy a car for your children or spouse and register that vehicle in 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 the 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 people to drive with suspended licenses in limited circumstances, such as commuting to work, medical examinations, or court-ordered activities. However, you still have to meet other state requirements, such as car registration and insurance purchases. Pennsylvania, for example, has no laws preventing this, although you must provide proof of insurance. You can buy a car, but registration and insurance are another matter. Florida will not issue cards to your car with certain types of suspension.
Financial support for automobiles
Financing a vehicle while your license is suspended can be a factor in breaking the agreement, depending on the policies adopted by the specific lender and dealer. It can be a red sign 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 a loan, depending on your relationship with them. If your suspension is for something that is not a serious violation, write down the reason and explain how you intend to fix the situation. Otherwise, you have to wait until your suspension is lifted, or find another way to pay for the car.