Car Loans for Welders & Tradespeople
We understand contract work, project-based income, and skilled trades earnings. Get matched to dealers who specialize in financing for tradespeople.
Why Tradespeople Choose ConsumerAuto
Contract Work Flexibility
We work with dealers who understand project-based income, contract work, and the unique earnings patterns of skilled trades.
Self-Employed Programs
Self-employed tradespeople can qualify using bank statements, invoices, or tax returns to verify income.
Certification Recognition
Journeyman certifications, Red Seal tickets, and trade licenses are recognized as proof of earning potential.
Seasonal Work Accepted
Dealers understand that some trades have busy and slow seasons. They can work with your annual income patterns.
Fast Decisions
Get a decision quickly so you can get back to work. Most tradespeople receive a response the same day.
Industry Specialists
Dealers in our network understand the skilled trades and recognize the high demand for certified tradespeople.
Common Situations We Handle
Contract Workers with Project-Based Income
Your income varies based on contracts and projects. Dealers can verify income using bank statements, invoices, or contracts showing your average earnings over 6-12 months.
Self-Employed Tradespeople
Run your own welding, plumbing, or electrical business? Dealers can work with business bank statements, tax returns, or profit/loss statements to verify your income.
Apprentices and Journeymen
Whether you're an apprentice building your career or a journeyman with years of experience, dealers recognize your earning potential and can work with your current income level.
Seasonal Tradespeople
Work in construction or outdoor trades with seasonal busy periods? Dealers can calculate your annual income and understand that earnings are concentrated in certain months.
Union and Non-Union Workers
Whether you work through a union hall or directly with contractors, dealers can verify your income using pay stubs, union records, or employer contacts.
What You'll Need to Apply
For Employed Tradespeople:
- Last 2-3 pay stubs or employment letter
- Employer or contractor contact information
- Trade certification or license (if applicable)
- Proof of residence (utility bill, lease)
For Self-Employed Tradespeople:
- Last 6-12 months of bank statements
- Recent invoices or contracts
- Tax returns or profit/loss statement
- Business license or trade certification
Red Seal or Journeyman Certified? Your certification demonstrates earning potential and job security. Be sure to mention it in your application—it can help you qualify for better terms.
Frequently Asked Questions
Can I get approved with contract-based income?
Yes! Dealers understand that many tradespeople work on contracts or projects. They can verify your income using bank statements, invoices, or contracts showing your average earnings over several months.
What if I'm self-employed with no pay stubs?
Self-employed tradespeople can provide bank statements showing regular deposits, invoices, tax returns, or profit/loss statements. Dealers understand self-employment income and can work with these documents.
Can apprentices get approved?
Yes! Apprentices can qualify based on their current income and the recognized earning potential of their trade. Dealers understand that apprentice wages increase as you progress through your training.
What if my income varies seasonally?
Dealers can calculate your annual income and understand that trades like construction have busy and slow seasons. They'll look at your earnings over a full year to determine affordability.
Do I need perfect credit to get approved?
No. We work with dealers who approve all credit situations, including bad credit, no credit, and past bankruptcies. Your current income and trade skills matter more than your credit score.
Ready to Get Your Vehicle?
One application, matched to dealers who understand skilled trades income. Get a decision quickly so you can get back to work.
Apply Now - 2 MinutesNo impact on your credit score to apply • Free • No obligation