I'm new to car financing. What got me confused is that my bank wants purchase agreement or bill of sale before sending out a check to the dealer.You'll need to sign the car purchase agreement (or dealer bill of sale), the title, an odometer statement, and sometimes a damage disclosure statement. A confusing and convoluted document that outlines the selling price, fees, taxes, your trade in, and more. First, choose the consumer complaint form that fits your problem.