If you are self-employed, a 1099 contractor, or paid largely in cash, dealerships often stall because you do not have classic pay stubs. Elite Edge Auto Broker works with lenders who understand self-employed income and approve on bank statements, tax returns, or other proof — not just a W-2.
What lenders accept as proof
- Bank statements — consistent deposits over a few months often stand in for pay stubs.
- Tax returns or 1099s — a year or two of returns shows your real income.
- Business documents — proof the business is active and yours.
- A down payment — strengthens any self-employed application.
Paid in cash with thin documentation? We still have paths, including ITIN/no-SSN and $0-down programs. The key is matching you to a lender that fits your situation — which is exactly what a broker does.
Skip the dealer runaround
Instead of being bounced between finance managers, tell us your situation once. Estimate a payment in our auto loan calculator, then call or text (954) 907-2386 and we will find your lender.