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Self-employed? We’ll work with your paperwork.

Contract work, gig work or your own business: your income counts. A finance specialist at Morrey Nissan of Coquitlam will help you put your paperwork in the order lenders usually look for.

Apply now How it works for you
  • Free, no obligation
  • A real person reviews every file

What we look at

Your income doesn’t come on a pay stub.

Lenders usually want to see your income on paper, over time. That is why tax returns and bank statements matter. If your paperwork isn’t perfect, start anyway and we’ll tell you what is missing.

  • Contract, gig or businessWhatever shape your income takes, tell us how it works. We’ll explain how to show it.
  • Your paperworkUsually two years of tax returns or Notices of Assessment, plus recent bank statements.
  • Not perfect? Start anywayWe’ll tell you what is missing and how to fill the gaps.

How it works for you

Three steps, with a person beside you for each one.

  1. 01

    Tell us how you work

    A short, private form about your work and income, with no commitment.

  2. 02

    A real person works your file

    A finance specialist reviews it, then calls or texts. They’ll tell you which paperwork will help most.

  3. 03

    Choose with a clear plan

    You see the payment, the term and the total cost in plain words before you sign anything.

What to bring

What lenders usually ask for.

Lenders usually ask for the items below. Don’t have everything yet? Apply anyway. Your specialist will tell you what is missing and help you gather it.

Lenders will also need your Social Insurance Number (SIN) before they can approve a loan.

  • Tax returns or Notices of AssessmentUsually your last two years.
  • Recent bank statementsThey show how your income comes in over time.
  • Photo IDA driver’s licence or other government-issued photo ID.
  • Proof of addressA utility bill, bank statement or lease with your name on it.
  • Anything that shows your workContracts, invoices or a business registration. Not always needed, but it can help.
  • ReferencesNames and contact details for people who know you.

Questions

Straight answers for the self-employed.

I’m self-employed. What will I need?

Usually your last two years of tax returns or Notices of Assessment, and recent bank statements. If your paperwork isn’t perfect, start anyway and we’ll tell you what’s missing.

My income changes month to month. Does that matter?

Lenders usually look at your income over time, which is why tax returns and bank statements matter. Tell us how your income works and your specialist will explain how to show it.

What if I haven’t filed my taxes?

Tell us. Your specialist will explain what lenders usually ask for. We can’t give tax advice, so your accountant or tax preparer is the right person for questions about filing.

Will applying affect my credit?

The form is free and doesn’t commit you to buy anything. When you submit it, you’re giving permission for a credit check so lenders can review your application. If you have questions about that, ask us first.

Do I need a down payment?

Not always. It depends on your situation and the lender. A down payment or a trade-in can lower your payment and open up more options, and we’ll show you both ways.

Who will I be dealing with?

Windy, Maryam or Mike on the finance team at Morrey Nissan of Coquitlam, on Lougheed Highway in Port Coquitlam. Mr. Auto Finance is part of Morrey Auto Group, a family-owned group serving the Lower Mainland.

Let’s look at your options together.

Free to apply. No obligation. A real person gets back to you.

Apply now

More programs

Not quite your story?

Here are the other ways we can help.

Apply now