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Self-Employed
Vehicle Financing For Self-Employed Canadians
Being self-employed often means income is evaluated differently than traditional employment. Here's what to expect.
Self-employment does not automatically disqualify applicants from financing. Many self-employed Canadians successfully finance vehicles every year.
What Lenders May Request
To verify income for self-employed applicants, dealerships and lenders may request some of the following:
Income Verification: Notice of Assessment (NOA) from the CRA, typically for the past 2 years
Tax Documentation: T1 General returns or T4 summaries depending on business structure
Bank Statements: Recent bank statements showing regular deposits and account activity
Business Information: Information about your business type, industry, and years in operation
Note: No documents are required to complete the online application. Documents may be requested by the dealership as part of the follow-up process.
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