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Can I get a car loan if I only have casual employment?
I work odd jobs and live with my parents for the time being. I want to get a normal job, but I need a car to do so. Can I get a car loan without a W-2 job?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you don’t have a W-2 job, it can make
car loan
approval more difficult—but that doesn’t mean it’s impossible.To get a car loan if you only have casual employment, follow these tips:
- Look into getting a loan with your current bank or credit union, as they may be more willing to work with you.
- Check your credit report to ensure there aren’t any errors and pay down as much debt as possible.
- Ask your employer to write a letter verifying your income and speaking to your character.
- Save up money for a significant down payment.
- Apply for the loan with a cosigner.
- Shop around for the best interest rate and loan terms.
Once you get approved, you will also have to show proof of car insurance. That’s where
Jerry
can help. Using the Jerry app, you can compare quotes from over 50 top insurance providers. Jerry will even take care of the paperwork.With any luck, you should be cruising off the lot in style!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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