<prompt> Human: Wanting to borrow 8-10k for new 2009 work vehicle. Yes, it needs to be that new. I can put 3-5k down.Im self employed, and my income is low enough that I havent filed taxes in some years. I have good credit.Called my credit union, and they wanted the last 2 years of tax statements to verify my income. Said they couldnt help me without them. My question: Who will?? Lendingtree or Penfed? The dealership? Can I expect decent rates based on my good credit without providing this info?  <response>: I am a finance manager at a dealership. If you have an established credit profile and a score over 650 or so, there shouldnt be an issue getting you a loan without showing POI. Best bet is to email or go into a dealership and get approved. Also Capital One does competitive pre-approval checks as well. Pen-Fed has great rates, but Im not sure about their reliance on POI. Good luck 