Self-Employed Loans — 1099, Freelance & Gig Work Accepted
Self-employed? Freelancing? Driving for Uber or DoorDash? Your 1099 and gig income counts. PrimeLendings connects you with lenders who accept all self-employment income types — no W-2, no paystubs, no employer required.
Self-employed loans through PrimeLendings accept any verifiable self-employment income — 1099 contractor income, freelance payments, gig work (Uber, Lyft, DoorDash, Instacart, Fiverr, Upwork), cash business income, or Schedule C profit. No W-2 or employer verification is required. Loan amounts range from $100 to $5,000. The application takes 5 minutes, uses a soft credit inquiry, and the matching decision is instant.
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1099 Income Fully Accepted
Independent contractor, consultant, freelancer, or any 1099 worker — your self-employment income is fully accepted. No employer to call, no W-2 required.
Gig Work Counts
Uber, Lyft, DoorDash, Instacart, TaskRabbit, Fiverr, Upwork, Amazon Flex — all gig income counts toward qualification. Show earnings from your app dashboard.
Income Averaged Over 3–6 Months
Lenders understand irregular self-employment income. They typically average your last 3–6 months of income rather than requiring a fixed pay schedule.
Soft Credit Pull
Checking loan options has zero impact on your credit score. Important for self-employed borrowers managing business and personal credit profiles.
No Business Collateral Required
These are personal loans for self-employed individuals — not business loans. Your personal income qualifies, with no business assets or contracts pledged as collateral.
Bad Credit Considered
Self-employment income fluctuations can create credit challenges. PrimeLendings lenders evaluate your average monthly income — bad credit is considered alongside income.
Self-Employment Income Types Accepted
Self-Employed vs. Employed Borrower — Same Loan Access
| Factor | Self-Employed | W-2 Employed |
|---|---|---|
| Income verification | Average monthly self-employment income | Employer name + monthly salary |
| Pay stubs required | No | No |
| Loan amounts available | $100–$5,000 | $100–$5,000 |
| APR range | Same as employed | Same as self-employed |
| Decision speed | Instant | Instant |
| Funding speed | Same day | Same day |
Also see our gig-specific loan guides:
PrimeLendings vs. Your Options
On the factors that matter most to borrowers.
| Feature | PrimeLendings | Banks |
|---|---|---|
| Application | 5 Min Online | Days / Weeks |
| Credit Required | All Profiles Considered | Good – Excellent |
| Availability | 24/7 Online | Business Hours |
| Funding Speed | Next Business Day* | 3–10 Business Days |
| Pre-Qual Inquiry | Soft Only | Always Hard Pull |
| Prepayment Penalty | None | Sometimes |
| All 50 States | Yes — licensed lenders | Varies by bank |
*Next-business-day funding typical; not guaranteed. Timing depends on lender and bank ACH schedule.
Why borrowers trust PrimeLendings
Licensed Network
State-licensed & TILA-compliant lenders only.
Full Transparency
APR, fees, and schedule disclosed before signing.
Soft Pull Only
FICO score unaffected at matching stage.
Zero Obligation
Review offers — accept only what fits you.
Self-Employed Loans by State
All 50 States →Frequently Asked Questions
Answered by licensed financial experts.
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Marketplace Disclosure: PrimeLendings is a 100% online loan marketplace, not a direct lender. We do not originate, fund, or service loans. We instantly match borrowers with licensed lenders across the US who make all independent credit and funding decisions. Loan approval, rates (5.99%–35.99% APR for personal loans), and terms are determined solely by the matched lender. Submitting a request does not guarantee loan approval. Short-term representative example: $500 borrowed for 14 days at $15/$100 = $575 total (391% APR). Short-term products are high-cost — use for genuine emergencies only. Loan terms, APR, fees, and availability vary by lender and state. A lender may perform a hard credit inquiry before final approval. Terms apply. Full rate & fee schedule.