Self-employed, a contractor, or a gig worker? Bank declined you because of "non-traditional" income? We work with lenders who understand self-employment. Get approved in Calgary.
Self-employment is the backbone of Alberta's economy — but it can be a headache when you apply for a car loan. Banks are built around T4 pay stubs and salaried employment, so contractors, freelancers, rideshare drivers, and small-business owners often get declined despite earning a solid living. At Legacy Autos, we work with lenders who understand self-employed income and know how to read a Notice of Assessment or bank statements instead of a pay stub.
Whether you write off a lot of income for tax purposes, have variable monthly earnings, or run a cash-heavy business, there are financing programs designed for you. We'll help you put together the right documentation — and we'll shop your application across our lender network to find the approval that fits your situation.
Independent trades and construction contractors with project income.
Uber, Lyft, SkipTheDishes, DoorDash, and other gig income accepted.
Self-employed professionals and freelancers with variable income.
Incorporated and sole-proprietor business owners welcome.
Tell us your basic info and income details. The initial check is a soft pull — it won't affect your credit score.
We submit your file to our network of lenders to find the best approval terms for your situation. We do the work, you wait for a call.
We'll call you with your approval amount and payment options, then help you pick a clean-Carfax vehicle within your budget. Drive home the same day.
Yes. We work with lenders who specialize in self-employed financing. Instead of T4 pay stubs, they accept documents like your CRA Notice of Assessment, business bank statements, or invoices. We'll help you assemble what's needed.
Commonly: your most recent CRA Notice of Assessment, business or personal bank statements showing income, valid ID, and proof of address. Requirements vary by lender — we'll tell you exactly what yours needs before you apply.
Often, yes. Some lenders use "stated income" or bank-statement programs that look at actual cash flow rather than net taxable income. We'll match you to a program that understands how self-employed finances work.
Yes. Income from Uber, Lyft, SkipTheDishes, DoorDash, and similar platforms is accepted by several of our lenders, especially with a few months of consistent deposits. Bring your statements and we'll find the right fit.