📋 Documents Checklist

What You Need to Apply in BC.

Here's everything lenders typically ask for when applying through our BC car loan service. Full overview of when you apply for a car loan in British Columbia. Don't worry if you don't have everything — apply first, and your advisor will guide you.

Required for everyone.

✅ Government-Issued Photo ID

Valid BC driver's licence (front and back) is the standard. A Canadian passport or BC Services Card with photo also works. You must be 18 years or older.

✅ Proof of Income

Lenders need to verify your ability to make payments. Accepted documents include: most recent pay stub (within 30 days), employment letter on company letterhead, most recent T4 or Notice of Assessment, or 3 months of bank statements showing regular income deposits.

✅ Proof of BC Residence

A recent utility bill (BC Hydro, FortisBC, Telus), bank statement, or lease/rental agreement showing your current BC address. Must be dated within the last 90 days.

✅ Phone Number & Email

Your advisor contacts you by phone (typically within 24 hours). A working cell number and email address are required for the application process.

Additional docs by situation.

Self-Employed

Business registration, 2 years of T1 Generals or Notices of Assessment, and 3–6 months of business bank statements. See our self-employed guide.

Bankruptcy or Consumer Proposal

Discharge certificate (if discharged) or trustee letter showing status. Some lenders require completion certificates. See our bankruptcy guide and consumer proposal guide.

New to Canada

Valid work permit or PR card, Canadian employment letter, and proof of BC residence. International driver's licence may be accepted initially while you obtain your BC licence. See our newcomer guide.

EI, Disability, or Fixed Income

Benefit statements or proof of government income (CPP, disability, EI). Some lenders accept non-traditional income sources. See our EI & disability guide.

Trade-In Vehicle

If you're trading in a current vehicle: registration, lien payout statement (if financed), and service records. Your advisor can help assess trade-in value. See our trade-in page.

Common Questions

Document FAQ.

No. Apply first with basic information. Your advisor will tell you exactly which documents are needed based on your specific situation and the lender requirements.

Yes. Photos or scans sent via email or text are accepted. Clear, readable images of complete documents are all that's needed.

Deposit your income into a bank account for at least 3 months before applying. Bank statements showing regular deposits serve as income verification. Cash-only income without bank records is very difficult for lenders to verify.

Gig Worker Car Loans

Ready to apply?

Apply now with basic info. Your advisor will tell you exactly what documents you need.

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