Car Loans for Construction Workers
General laborers, skilled trades, contractors, and all construction professionals. We understand seasonal work, contract income, and project-based employment.
Construction Roles We Serve
General Laborers
Site workers, helpers, material handlers
Carpenters & Framers
Rough and finish carpenters
Heavy Equipment Operators
Excavator, crane, loader operators
Contractors
General and specialty contractors
Site Supervisors
Foremen, project managers, site leads
Specialty Trades
Concrete, drywall, roofing, siding
Why Construction Workers Choose ConsumerAuto
Seasonal & Project-Based Work Accepted
Work slows down in winter? Between projects? Dealers understand construction cycles and calculate income based on your annual average.
Contract & 1099 Income OK
Self-employed contractor or 1099 worker? We work with your tax returns, bank statements, and contract documentation.
Union & Non-Union Workers
Union member with dispatch work? Non-union contractor? We work with all types of construction employment.
Multiple Income Sources Combined
Working for multiple contractors or supplementing with side work? We combine all your construction income.
Common Challenges We Solve for Construction Workers
Seasonal Income Gaps
Winter layoffs or slow seasons? Dealers look at your full-year income and understand construction seasonality in Canada.
Between Projects or Contracts
Currently between jobs but have consistent work history? Dealers consider your employment pattern and upcoming projects.
Self-Employed Contractor Documentation
Self-employed? Bring tax returns, bank statements showing deposits, and current contract or project documentation.
Cash or Under-the-Table Income
While cash income is harder to verify, consistent bank deposits and tax documentation can help establish your earning capacity.
Frequently Asked Questions
Can I get approved if I'm laid off for the winter?
Yes, if you have consistent seasonal employment history. Bring documentation from previous years showing your typical work pattern and income.
I'm self-employed as a contractor. What documents do I need?
Bring your last 1-2 years of tax returns (T1 General, T4As), recent bank statements showing income deposits, and any current contracts.
I work for multiple contractors. Can I combine my income?
Yes! Bring pay stubs or T4As from all contractors. We'll add them together to calculate your total qualifying income.
Do you work with union construction workers?
Absolutely. Union members can bring their dispatch records, union documentation, and pay stubs to verify employment and income.
How long does the approval process take?
Most construction workers receive a decision within hours to 1 business day. The application takes 2 minutes.
Ready to Get Your Construction Worker Car Loan?
One application, matched to dealers who understand construction employment. Get a decision today.
Apply Now✓ 2-minute application ✓ Seasonal work accepted ✓ Contract income OK