You run your own show. Your income should count.
Contractors, owner operators, trades, gig work, small business owners. Banks love pay stubs and you do not have any. We work with lenders who know how to read self employed income and we help you show yours the right way.
What are you driving away in?
Pick a type. If you have a specific vehicle in mind, we’ll find it.
Where do we send your keys?
Name and phone is all we need to start.
Got two more minutes?
Fill this in and we call with a real plan instead of a list of questions.
Your actual role matters. It’s one of the first things a lender asks.
Count everything before deductions. Job, self employment, pension, support payments, side work.
You’re unlocked.
We have your details and we’ll be calling soon. No pressure, just a straight conversation about what will work.
Want to move even faster? Lenders usually ask for these first. None of it is required for a callback.
- A valid driver’s licence
- Your last two pay stubs, or another proof of income
- Registration for your trade in, if you have one
How lenders verify self employed income
No pay stub does not mean no proof. These are what lenders usually ask for.
Notice of Assessment
Your CRA Notice of Assessment from the last year or two is the most common proof of income.
Tax returns
Your full return shows the whole picture, including business income and expenses.
Bank statements
A few months of statements showing regular deposits help back up what you earn.
Time in business
The longer you have been self employed, the more comfortable lenders are. Two years is a common benchmark.
The honest part: lenders usually go by the income on your tax return, not your gross sales. If you write off a lot of expenses, your approved income may look lower than what you actually take home.
That does not stop a deal. It just means we plan around it, and sometimes a truck or van for the business can be structured differently. We will tell you what fits.
The vehicle and the loan, handled together.
Our own inventory, a network that finds what we don’t have, and lenders for every credit situation.
Our inventory
Cars, SUVs and trucks ready to go.
We find it
Tell us what you want and we track it down across Western Canada.
We fund it
Your file goes to the lenders that fit your situation.
What people in your spot usually ask.
Can I get a car loan if I am self employed?
Yes. Lenders approve self employed borrowers regularly, usually based on your Notice of Assessment, tax returns and bank statements.
What documents do I need?
Most lenders ask for your recent Notice of Assessment, and sometimes your tax returns and a few months of bank statements.
I have only been self employed a short time. Can I still apply?
Yes. Less time in business can limit options, but prior work history in the same field and strong bank deposits can help.
Can I finance a work truck or van?
Yes. Work vehicles are a common request from self employed buyers, and we can source and finance them.
Not quite your situation?
Pick the one that fits better.
Your key is closer than you think.
Two taps and a phone number. We’ll take it from there.