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Here's what you'll need to apply for an auto/boat/RV loan: Personal identification with current address; Vehicle details including model year, mileage and VIN. Bank of Montreal (BMO) (free.clcbank.org) is winding down its indirect retail auto finance business and shifting focus to other areas in a move that will result in an. The Bank of Montreal is exiting the retail auto finance business, as it looks to redeploy resources to areas where its �competitive.