Maternity Leave Car Loan BC
01
Does EI Maternity or Parental Leave Count as Income?
Yes — Employment Insurance maternity and parental benefits are considered verifiable income by many of Easy Ride Canada's lending partners.
02
What Lenders Look For on Maternity Leave
Lenders want to see that your EI payments cover the vehicle payment with room to spare. Your return-to-work date and pre-leave income also matter — they show lenders what your income will be once leave ends.Providing your Record of Employment (ROE) and recent EI payment statements makes the approval process faster.
03
Documents Needed for Maternity Leave Car Loan
EI benefit statement showing monthly payment amount. Record of Employment from your employer.Last 2–3 pay stubs from before you went on leave.
04
What Vehicle Makes Sense for a Growing Family?
If you're about to have a baby or recently did, your vehicle needs are changing. Easy Ride Canada can source family-friendly vehicles across BC and Canada — SUVs, crossovers, and minivans with strong safety ratings and enough room for car seats, strollers, and the gear that comes with a new baby.
05
Combining Income With a Partner
If you have a partner or co-borrower, combining incomes significantly strengthens your application. Even if your maternity leave income alone is borderline, adding your partner's income typically results in strong approval with better rates.
06
Don't Wait Until You're Back at Work
Many BC parents on leave are surprised to learn they can qualify for a vehicle now. If you need a safe, reliable vehicle for your growing family, apply while on leave — don't wait.Advisors at Easy Ride Canada can assess your situation with no hard credit pull and let you know within 24–48 hours.
01
Partner Income as a Co-Borrower
If your partner is working, applying as co-borrowers is often the most straightforward path to the best available rate.
02
Accepted Income Types
- ✓Full-time & part-time employment
- ✓Self-employment (3 months bank statements)
- ✓EI including maternity & parental leave
- ✓CPP Disability, PWD, PPMB
- ✓CPP, OAS, pension income
- ✓Canada Child Benefit, child & spousal support
03
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