Car Loans for Truck Drivers
We understand your irregular pay schedule and long-haul lifestyle. Get matched to dealers who specialize in financing for CDL holders.
Why Truck Drivers Choose ConsumerAuto
Irregular Pay Schedule OK
We work with dealers who understand per-mile pay, weekly settlements, and variable income from long-haul routes.
Flexible Documentation
Pay stubs, 1099 forms, or bank statements accepted. We understand owner-operator income verification.
Fast Decisions
Get a decision quickly so you can get back on the road. Most applicants hear back the same day.
All Credit Situations
Bad credit? No credit? Bankruptcy? We match you with dealers who work with all credit situations.
Canada-Wide Service
Whether you're based in BC, Alberta, Ontario, or anywhere else, we connect you with local dealers.
Industry Specialists
Dealers in our network understand the trucking industry and CDL holder income stability.
Common Situations We Handle
Long Haul Drivers with Variable Income
Your income varies based on miles driven and routes. We work with dealers who understand this and can verify income using your last 3-6 months of pay stubs or bank statements.
Owner-Operators with 1099 Income
As an owner-operator, your income is reported on 1099 forms. Dealers in our network can work with 1099 income, profit/loss statements, and bank deposits to verify your earnings.
New CDL Holders Building Credit
Just got your CDL? Even with limited credit history, dealers recognize the earning potential of commercial drivers and may offer financing based on your new career path.
Drivers with Past Credit Issues
Time on the road means less time managing finances. If you've had credit issues in the past, we connect you with dealers who focus on your current income and stability, not just your credit score.
Regional & Local Drivers
Whether you're home every night or every weekend, we work with your schedule. Regional and local drivers with steady routes often qualify for competitive financing.
What You'll Need to Apply
For Company Drivers:
- Last 2-3 pay stubs showing per-mile or hourly pay
- Employer contact information
- Valid CDL license
- Proof of residence (utility bill, lease)
For Owner-Operators:
- Last 3-6 months of bank statements
- 1099 forms or profit/loss statement
- Operating authority documentation
- Valid CDL license
Don't have all documents? Apply anyway. Dealers in our network are flexible and may be able to work with alternative documentation to verify your income.
Frequently Asked Questions
Can I get approved with irregular income?
Yes! Dealers in our network understand that truck drivers have variable income based on miles driven, routes, and schedules. They can verify your income using pay stubs, bank statements, or 1099 forms over a 3-6 month period to establish your average earnings.
What if I'm an owner-operator with no pay stubs?
Owner-operators can provide bank statements showing regular deposits, 1099 forms, profit/loss statements, or tax returns. Dealers understand self-employment income and can work with these documents to verify your earnings.
Do I need good credit to get approved?
No. We work with dealers who approve all credit situations, including bad credit, no credit, bankruptcy, and consumer proposals. Your current income and employment stability matter more than your credit score.
How long does the approval process take?
Most truck drivers receive a decision the same day. The application takes 2 minutes to complete, and dealers typically respond within a few hours. We understand you need to get back on the road quickly.
Can I apply if I just started driving?
Yes! New CDL holders are often approved based on their earning potential and the demand for commercial drivers. Even with limited driving history, dealers recognize the stability of the trucking profession and may offer financing.
Ready to Get Your Vehicle?
One application, matched to dealers who understand truck driver income. Get a decision in minutes, not days.
Apply Now - 2 MinutesNo impact on your credit score to apply • Free • No obligation