Gig Worker Loans —
Up to $50,000
A loan that understands 1099 income. Whether you drive for Uber, freelance on Upwork, or run your own contracting business — get funded based on what you actually earn.
Payment Estimator
Flexible Repayment Calculator
Est. Monthly Payment
$225.65
Representative example at 15% APR
Built for the Way You Work
We verify your income through your actual earnings history — not just pay stubs or W2s.
App-Based Drivers
Uber, Lyft, DoorDash
Freelancers
Design, Dev, Marketing
Remote Contractors
1099, Consulting
E-commerce Sellers
Amazon, Etsy, Shopify
Fast Loans for
the Self-Employed.
Traditional banks rely on W2s and pay stubs. We use your actual earnings history. If you've been working for 6+ months, you have everything you need to qualify.
No Pay Stubs Required
We connect to your bank or platform earnings directly via Plaid to verify income.
Flexible Repayment
Align your payments with your busiest earning days so cash flow stays manageable.
Funding in 24 Hours
Once approved, funds are deposited to your account the same or next business day.
Transparent Fixed Rates
Your APR is fixed at the start — no surprise rate changes mid-loan.
How to Qualify
- 6+ months of verifiable gig earnings
- Average monthly income of $1,500+
- Active US-based work platform account
- US bank account in good standing
Common Questions
Can I apply if I just started gig work?
We typically need at least 3–6 months of verifiable earning history from platforms like Uber, DoorDash, or Upwork to assess your income baseline.
Does applying affect my credit score?
Checking your rate only requires a soft inquiry that won't impact your credit score. A hard pull only happens if you accept an offer and move forward.
Is my bank account data secure?
Yes. We use Plaid with 256-bit bank-grade encryption. We only receive read-only access to verify your earnings — we can't make any transactions.
What loan amounts are available?
You can borrow between $500 and $50,000 depending on your income, credit profile, and repayment capacity. Most gig workers qualify for $2,000–$15,000.
Ready to Get Funded?
Don't let uneven cash flow hold you back. Apply in minutes and get a decision today.
Gig Worker Loans by State
Find platform-specific loan guides for your state. Each page has tailored income verification tips, local regulations, and fast-approval options.
Pennsylvania
North Carolina
Expert Insights
Sarah Chen
“Over 10 years of experience in consumer lending and personal finance. Sarah leads the PrimeLendings editorial review process, ensuring all content is accurate, compliant, and useful for borrowers.”
Ready to Get Up to $50,000?
Rates from 5.99% APR · Bad credit OK · No hard credit pull · Same-day funding available
Takes 2 minutes · Zero impact to credit score