Have you ever wondered: Can I get a car loan with casual employment? It’s a sad fact that casual workers may face more difficulty getting car loans. However, it doesn’t always have to be a challenge.

In this article, we’ll examine how you can get a car loan when you are a casual employee and discuss what steps you can take so that getting an auto loan is easier in the future.

Let’s get started.

What is Casual Employment?

A casual worker is someone who doesn't work regular hours or shifts.

Casual employment is a type of employment that does not provide consistent, fixed hours. It often involves short-term or part-time contracts and can be ideal for employees who want more flexible working arrangements.

While there are benefits to casual employment, it also makes it more challenging to get approved for an auto loan due to the lack of regular income.

Can I Get a Car Loan With Casual Employment?

Can I Get a Car Loan With Casual Employment?

Casual employees often wonder how they can get a car loan.

While your employment status might not be traditional, lenders will still consider you for a loan if you demonstrate an ability to repay the debt.

To qualify for a car loan with casual employment, you’ll likely need to provide documentation of your income and employment. This can include pay stubs, tax returns, or other financial statements. Lenders will use this information to assess your ability to repay the loan and determine the interest rate they’ll charge.

It’s important to note that lenders typically charge higher interest rates to borrowers with less traditional employment. This is because they’re considered higher-risk borrowers regarding loan repayments.

If you’re looking for a car loan with casual employment, shop around and compare rates from multiple lenders. This will help you get the best deal possible.

How to Get an Auto Loan With Poor Credit

How to get car loans with problems on your credit file.

If you have poor credit and are looking to get an auto loan, there are a few things you can do to improve your chances of getting approved.

First, make sure you have all of your financial documents in order. This includes your pay stubs, tax returns, and any other documentation that can show lenders you are financially responsible on your car loan application.

Second, shop around for the best rates and terms. Many lenders specialize in loans for people with bad credit, so comparing offers is essential before you decide on a loan.

Lastly, don’t be afraid to negotiate with lenders. If you have a strong case for why you should get a loan despite your bad credit, you may be able to get a lower interest rate or better terms.

Ways to Improve Your Credit Score

Ways to help develop a high credit score.

One of the things that can help you get a car loan is a good credit score. If you’re looking to improve your score, there are a few things you can do.

Making On-Time Payments

Make sure you’re paying your bills on time. This includes your rent, utilities, credit cards, and any other debts you may have. Late payments can significantly impact your credit score as lenders want to minimise loan defaulting risk.

Keep Your Credit Utilization Low

Try to keep your credit utilization low. This means using less than 30% of your available credit, as using more than this can hurt your credit score.

Diversify your credit

Have a solid credit mix. This means having a mix of different types of credit, such as a mortgage, a car loan, and a credit card. This shows lenders that you’re a responsible borrower and can handle different types of debt.

Check your credit report for errors

Mistakes will sometimes happen. It’s always a good idea to keep an eye on your credit report to check it for errors. Each of Canada’s credit bureaus offers one free credit report each year. Take advantage of this to check for incorrect or fraudulent information. If you find any, dispute them with the credit bureau.

The Importance of Loan Research

SkyCap can help as we offer personal loans for casual workers.

Research is important for a variety of reasons. It helps us better understand what options are out there and can also help us make more informed decisions about our choices.

There are a lot of factors to consider when taking out a loan, and you want to be sure you are getting the best deal possible. With so many lenders in the market, it can be difficult to know who to trust. That’s where research comes in.

By taking the time to research, you can be sure you are getting the best deal possible. You can compare interest rates, terms and conditions, and fees to find the lender that best suits your needs. You can also read reviews and compare customer service ratings to find the most reputable lenders.

Taking out a loan is a big decision, and you want to be sure you are making the best decision for your future.

Questions To Ask Before Taking Out A Car Loan

Questions to ask before taking out a personal loan to buy a car.

Do you think you are ready to apply for a car loan? Here are a few questions to ask yourself first:

What is the minimum annual income required for the car loan?

Some lenders may have a minimum income requirement, regardless of whether you are a casual, part-time, or salaried employee. It’s best to know this going in, so you don’t waste your time.

Can I get a car loan if I just got a job?

Yes, you can. However, lenders typically like to see employment stability, so having a job for a more extended period may make it easier to get a loan.

Can you get a car loan with short employment history?

The same rules apply here as if you just got a job. Lenders may be more hesitant to approve a loan for someone who does not have an income history, so you may need to provide additional documentation to prove your ability to repay the loan.

Can I afford a car with only casual employment?

This will depend on your income and the cost of the car you want to buy. Do some math, figure out how much you can realistically afford, and then use that number as a guide when shopping for a personal loan to purchase a vehicle.

Do I need to have good credit to get a car loan?

Not necessarily. Lenders usually consider more than just your credit score when approving a loan, so even if you have bad credit, you may still be able to get a car loan. SkyCap specializes in loans for people with low or bad credit, so we may be able to help. Check out our application form for more details.

Do I need a down payment?

It depends on the lender and how much money you are borrowing. Many lenders may require a down payment, so it’s always best to ask and be prepared.

Do I need a cosigner for a car loan?

If you have bad credit or no credit history, you may need a cosigner to get approved for a loan. A cosigner takes on the responsibility of paying off the loan if you cannot. If you think you need one, line it up in advance of your loan application.


If you are a casual employee and need a car loan, you simply need to find the right lender. At SkyCap Financial, we can help you find the right provider for your loan. Fill out an application today and get the vehicle you need.