Car Loans for Gig Workers in BC
01
How lenders view gig income.
How lenders view gig income.The non-traditional income challengeGig workers — Uber drivers, DoorDash couriers, Skip the Dishes delivery partners, freelancers, and independent contractors — face a unique challenge when applying for car loans..
02
Proving your income without a T4.
Bank statements are the most powerful proof of gig income.
03
Rate expectations for gig workers.
Gig worker rates depend on credit score and income documentation quality — just like any other borrower. If you have good credit (660+) and strong income documentation, expect rates of 7.99–14.99%.With fair credit (560–659), rates typically range 14.99–22.99%.
04
Choosing the right vehicle for gig work.
If you drive for Uber, Lyft, or delivery services, your vehicle is a business tool..
05
Getting started with Easy Ride Canada.
Apply for pre-approval — it takes under 2 minutes and there is no hard credit pull. In the application, select "self-employed" as your employment type.Your advisor will call within 24 hours to discuss your specific gig income situation, review your documentation, and submit to our lending network.
06
More tools to help you.
Estimate monthly payments. Rates by credit tier. What you need to apply. How the process works.
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