All AutoYes programs Self-Employed Car Loans · British Columbia

Your hustle is income.
We treat it that way.

T4-only banks miss the entire freelance economy. We don't.

Contractor, freelancer, gig worker, small-business owner — you've been sent home from a finance office before. We look at your full income picture: T1 generals, Notices of Assessment, bank deposits, business records. Approval on what's real, not what fits a corporate spreadsheet.

Get Approved Today Or call us
★★★★★ 4.9 Google rating
No SIN required to start
Soft credit check only
T1 + NOA

If you can document 2 years of self-employment with T1 generals and NOAs — and your bank deposits back the story — you've got a strong file in our network. Newer to self-employment? We have lender partners who work with as little as 6 months of records.

How approval works

Approval that reads your full income.

Designed around how self-employed actually earns: irregular, multi-source, sometimes feast-or-famine.

1

60-second application

Tell us about your business — sole prop, incorporated, gig platforms, contracts. We'll guide you through the income documentation that makes the strongest case for your file.

2

Income picture, not income line

T1 generals, NOAs, business bank statements, gig-platform deposit history — we accept the full picture. We average across years to show stability, not just snapshot a slow month.

3

Match to self-employed-friendly lenders

Several of our 10+ lender partners specialize in self-employed files. Different lenders weight T1 vs. bank deposits vs. business age differently — we match you to the right one.

What you'll need

Documents to bring

For self-employed, documentation is the whole game. The more complete your file, the better your terms.

Newer to self-employment? If you have less than 2 years of T1s, call us. Lender partners exist for 6-12 months of self-employment with strong bank deposit history. A small co-signer or larger down payment also opens doors.

Why self-employed customers choose AutoYes

Big banks see one number. We see your income.

Big banks and dealers

  • Require T4 income — entire freelance economy excluded by default
  • Don't accept gig-platform deposits as documented income
  • Penalize tax-optimized self-employed (low NOI, high deductions)
  • Sales staff incentivized to push the simplest approval — usually not yours

AutoYes Finance

  • Income evaluated across T1, NOA, business statements, gig deposits — full picture
  • Lender partners specifically trained on self-employed file structures
  • We average across years to smooth seasonal/feast-or-famine income
  • Salaried staff — paid to find the right fit, not the fastest commission
What self-employed customers say
★★★★★ 4.9

Based on verified Google reviews

★★★★★

"Construction contractor, 5 years self-employed. Banks kept saying 'you don't have a paystub.' AutoYes read my T1s, approved in a day."

CD
Carlo D.
Coquitlam, BC
★★★★★

"Uber + Skip + a graphic design hustle. Three platforms, no T4. They aggregated all of it and got me a Tacoma."

ME
Marcus E.
Vancouver, BC
★★★★★

"Hair stylist, just started my own salon. 8 months in. Brought my deposit history and they made it work. Couldn't believe it."

SL
Stephanie L.
Burnaby, BC

Sample testimonials — placeholder copy until launch reviews come in. Names and quotes will be replaced with verified Google reviews.

Self-employed — common questions

What freelancers and contractors ask.

Built from a thousand conversations with the self-employed across BC.

How long do I need to be self-employed?
Ideally 2 years with T1s and NOAs to back it up. We have lender partners for 6-12 months of self-employment with strong bank deposits, especially if your previous job was T4 in the same industry.
I take a lot of business deductions — does that hurt me?
Tax-optimized businesses often show low NOI on paper. We have lender partners who add back common deductions (depreciation, home-office portion, vehicle) to compute "real" income. Bring all your business records.
I work cash income only — can you verify it?
It's harder. Bank deposit history (90+ days) is the minimum, plus references and a larger down payment. Some clients move toward direct deposit for 90 days specifically to apply — call us for a strategy.
Do I need to be incorporated?
No. Sole proprietors approve regularly with T1 + business name registration. Incorporation can help on larger loans but isn't required.
I drive for Uber/Skip/DoorDash — does that count?
Yes. Gig-platform earnings on T1 line 13500 (self-employment) and deposit history from the platforms count as documented income with several of our lender partners.
Can I write the loan off as a business expense?
If you use the vehicle for business, yes — partially or fully depending on personal vs. business use. Talk to your accountant for the specifics; CRA Form T2125 is where you'd claim it.

Approval that reads your real income.

60 seconds. No SIN required to start. T1, NOA, gig deposits, business statements — bring what you have.

Get Approved Today

Or call us: (604) 000-0000 · Mon–Sat 9am–7pm

Call Get Approved Today