I filed a 1099 last year. I am a retail trader. If I'm putting 0-20% down on car that costs over 40k and depreciates fast or if I have a bad credit score/history then I can understand being asked for tax returns and bank statements. But if I have great credit and I'm putting 50% down on an average car then its should be less of a hassle than a credit card application since the car is collateral. I guess prop traders that get K-1s have to deal with the same issue since they don't get pay stubs and aren't technically employees either.