Car Loans for Self-Employed Canadians
Apply in under 2 minutes
No long forms. No paperwork. Just a few honest questions.
No T4 required
Bank statements, invoices, or your Notice of Assessment tell us everything we need to know.
No hidden fees. Period.
You’ll see your full cost breakdown before you sign anything.
Real people on your side
A finance manager calls you, not an AI script or chatbot
No T4? Self-employed Income? No Problem. All Approved
Fast and easy way to get driving on self-employed income. GetGoing works with lenders across Canada who specialise in exactly this situation. We don’t just match you with whoever will say yes. We find the lender most likely to offer you the best terms based on your proof of income.
Who We Help:
Contractors
Sole proprietors
Tradespeople
Gig workers
Seasonal workers
Recently self-employed
What Counts as Proof of Income
You don’t need a T4. Any of the following may be accepted:
Bank statements
3–6 months of personal or business account statements showing regular deposits.
Notice of Assessment (NOA)
Most recent CRA NOA — the single most accepted document for SE income verification
Invoices or contracts
Client invoices or active contracts demonstrating ongoing work and income
Business financials
Profit & loss statement or accountant-prepared financials for the most recent year
GST/HST returns
Filed returns demonstrate active business revenue — accepted by some lenders as a supplement
Combination accepted
Most lenders accept a mix — our specialists will tell you exactly which combination works best
We Finance the Vehicles Your Work Actually Requires.
Trucks. Vans. SUVs. Cargo vehicles. Whether you need a half-ton for a trades business, a cargo van for deliveries, or a reliable SUV to get between job sites — we finance them all. Tell us what you need and we’ll find the right lender for both you and the vehicle.
Here’s How Simple It Is:
Apply in a few minutes
Complete our easy online application in minutes. Pick your vehicle, your budget and wait for our call.
We'll find you the best deal
After completing your online application, you'll be contacted by an auto financing specialist in <24 hours. They will go over the details of your application and give you some options of cars you're already qualified for.
Drive away in your new car
After agreeing to the best deal, you can pick up your vehicle or maybe even have it delivered right to your door for free!
Why Canadians Choose GetGoing
100% online
Apply from home. No dealership visit, no waiting room, no pressure.
No credit score damage
We use a soft check to start. Your score stays exactly where it is.
No hidden fees
You know what you are approved for and get a full cost breakdown before you commit to anything.
A specialist on your side
A real Canadian financing expert calls you. They know your file before they dial.
Vehicle delivered to you
We bring the car to your door. Free delivery in many areas across Canada.
Actively builds your credit
Every on-time payment helps build your credit.
Hear From Our Happy Customers
Your Questions, Answered Honestly.
Yes. Self-employed Canadians are approved through GetGoing every day. We exclusively work with lenders who have built their approval process for self-employed applicants. They accept bank statements, invoices, your Notice of Assessment, and business financials as legitimate proof of income.
You don’t need a T4 or an employment letter. Most lenders in our network accept: your most recent Notice of Assessment from the CRA; 3–6 months of personal or business bank statements; client invoices or active contracts; and in some cases, accountant-prepared business financials or GST/HST returns. Our specialists will review your specific situation and tell you exactly which combination of documents will work best. Apply for a car loan pre-approval so we can discuss your situation.
This is the single most common concern we hear from self-employed applicants. Lenders who specialise in self-employed income know how to look past write-offs. Bank statements showing actual deposits, or invoices demonstrating active revenue, can be used to demonstrate your real earning capacity. In many cases, your gross revenue matters more than your taxable net income when it comes to qualifying for a car loan.
Your credit score is protected at the application stage. We use a soft credit check to start, which doesn’t appear on your credit report and has no impact on your score. A hard inquiry only happens later, when you’ve chosen your options and are ready to proceed. You’re in control of that step.
Most applicants hear back from a GetGoing finance specialist within a few hours of submitting their form. Approval decisions typically come in less than 24 hours. In many cases, you can be driving within 48–72 hours of applying.
Trucks, cargo vans, SUVs, and other work vehicles are fully financeable through GetGoing’s lender network. Tell your specialist what the vehicle will be used for and they’ll match you with lenders who are comfortable with commercial-use applications. Select your vehicle to get started.