Car Loans for Hospitality Workers
Servers, bartenders, cooks, hotel staff, and all hospitality professionals. We understand tip income, night shifts, and irregular schedules.
Hospitality Roles We Serve
Servers & Waitstaff
Restaurant and banquet servers
Bartenders
Bar and lounge bartending staff
Cooks & Chefs
Line cooks, prep cooks, sous chefs
Hotel Staff
Front desk, housekeeping, concierge
Event Staff
Catering, banquet, event coordinators
Restaurant Managers
FOH/BOH managers, shift supervisors
Why Hospitality Workers Choose ConsumerAuto
Tip Income Fully Counted
We count both reported tips and cash tips. Bring pay stubs showing declared tips, plus bank statements showing consistent deposits.
Seasonal Fluctuations Understood
Busy season vs. slow season? Dealers calculate your average income over time, accounting for seasonal variations in hospitality.
Irregular Hours Accepted
Night shifts, split shifts, weekend-heavy schedules? Your unconventional hours won't hurt your approval chances.
Multiple Jobs Combined
Working at multiple restaurants or hotels? We combine all your income sources to maximize your approval amount.
Common Challenges We Solve for Hospitality Workers
Proving Cash Tip Income
Cash tips don't always show on pay stubs. Dealers accept bank statements showing regular deposits, plus your declared tips on pay stubs.
Variable Weekly Earnings
Your income fluctuates based on shifts, seasons, and customer traffic. We average your earnings over 3-6 months to show stable income.
Working Multiple Venues
Bartending at two bars or serving at multiple restaurants? We combine income from all your hospitality jobs.
New to the Industry
Recently started in hospitality? Dealers can work with newer employees who show consistent employment and income growth.
Frequently Asked Questions
How do I prove my cash tip income?
Bring your pay stubs showing declared tips, plus 3-6 months of bank statements showing regular cash deposits. Dealers understand hospitality income patterns.
What if my income varies a lot week to week?
That's normal in hospitality. Dealers calculate your average monthly income over several months, smoothing out the busy and slow periods.
I work two restaurant jobs. Can I combine my income?
Yes! Bring pay stubs and bank statements from both jobs. We'll add all your income together for qualification.
Do you work with seasonal hospitality workers?
Yes, especially if you have consistent seasonal employment history. Year-round workers typically qualify more easily.
How long does the approval process take?
Most hospitality workers receive a decision within hours. The application takes 2 minutes, and dealers typically respond the same day.
Ready to Get Your Hospitality Worker Car Loan?
One application, matched to dealers who understand hospitality employment. Get a decision today.
Apply Now✓ 2-minute application ✓ Tip income counted ✓ Cash tips accepted