Can I get car finance if I'm self-employed?
Yes. Self-employed people get car finance all the time. You just need to show your income is steady enough to cover the repayments.
Being self-employed does not hold you back. Lenders just need a bit more proof that your income is reliable, since you do not have regular payslips from an employer.
Useful documents include bank statements, business accounts, GST returns, or an IRD summary. These show the money coming in over time. If your income varies month to month, showing a longer period helps prove the average.
Lenders check affordability under responsible lending rules, so having your paperwork organised makes things faster and smoother.
We cannot guarantee approval, since it depends on the lender and your situation, but we match you with lenders comfortable with self-employed income. See self-employed car loans or get your fair rate.
See your repayments, then get a fair rate.
One application, one soft credit check, no obligation. We match you to the lender most likely to give you a fair go.