Loans for gig workers
No two weeks pay the same. The loan still has to fit the thin ones.
Rideshare, delivery, freelance, a bar shift on the side: lenders in our network take that income as it is, from the platform statements and the deposits. The skill is sizing the payment to the slow weeks, and we'll show you how they do it.
Twelve weeks of gig pay, the way a lender reads it.
Illustrative weekly net payouts for a driver mixing two apps. Your average is the black line. The lender's working number is lower: most discount a gig average to about 75%, so the low weeks don't turn into a missed payment.
A $2,000 loan over 12 months at 35.99% APR is $200.91 a month. Weeks shaded darker fall under the lender's line; three of twelve is normal, six would shrink the offer. Representative example: $2,500 over 12 months at 35.99% APR is $251.14 a month, $3,013.71 total. Your offer shows your rate before you sign.
What to export, by platform.
Every app has an earnings statement buried a few taps deep. Lenders accept it alongside the deposits it matches. Two platforms? Send both; lenders add them up.
Menu paths as of October 2026; apps move things.
| Platform | Where the statement lives | What to send |
|---|---|---|
| Uber / Lyft | Earnings → Pay statements (weekly PDF) | Last 12 weekly statements, or the annual summary plus 4 weeks |
| DoorDash | Earnings → Dasher Direct / Weekly summary | Weekly summaries; Dasher Direct card statements if paid there |
| Instacart | Earnings → Pay history | Screenshots of 12 weeks, or the 1099 plus recent weeks |
| Amazon Flex | Earnings tab → Export | Export CSV; deposits are twice weekly |
| Upwork / Fiverr | Reports → Transaction history | 90-day transaction report; withdrawals to bank |
| Etsy / eBay / Shopify | Finances → Payout schedule | Payout report; the lender wants net payouts, not gross sales |
| Cash tips, side jobs | Your deposits | Deposit on a regular day; a simple invoice or note per job |
Three rules for borrowing on gig income.
From the pattern in a few thousand gig applications, not a lecture.
Route every payout to the account you'll link.
Three cards and a Venmo balance make a $3,000 month look like $1,100. One account tells the whole story.
Put the due date in the first week of the month.
Last month's work has all paid out by then. A due date on the 28th lands in the hole between payouts.
Size the loan to three-quarters of your average.
The lender will anyway. Doing it first means you ask for the number you'll get, and the offer comes back on the first pass.
Gig worker
questions
More in the full FAQ.