Best Loans for Self-Employed Borrowers
Lenders that accept bank statements and 1099s instead of W-2s — ideal for freelancers and business owners.
| Product | APR Range | Loan Amount | Term | Origination Fee | Rating | Actions |
|---|---|---|---|---|---|---|
Chime Chime Credit Builder Secured Visa | 0.00%–0.00% | $0–$10k | 1–24 mo | No fees; no interest | 4.4 | |
Kikoff Kikoff Credit Account | 0.00%–0.00% | $750–$750 | 1–12 mo | $5/month subscription; no interest | 4.3 | |
 SoFi SoFi Student Loan | 4.49%–14.70% | — | 60–180 mo | None | 4.5 | |
 Discover Bank Discover Student Loans | 4.49%–14.99% | — | 120–180 mo | None | 4.4 | |
Sallie Mae Sallie Mae Student Loan | 4.50%–15.37% | — | 60–180 mo | None | 4.3 | |
Earnest Earnest Student Loan Refinance | 4.96%–9.99% | $5k–$500k | 60–240 mo | None | 4.5 | |
SoFi SoFi Student Loan Refinance | 4.99%–14.70% | $5k–$500k | 60–240 mo | None | 4.6 | |
Digital Federal Credit Union DCU Credit Builder Loan | 5.00%–5.00% | $500–$3k | 12–24 mo | No origination fee | 4.6 | |
 PenFed PenFed Student Loan Refinance | 5.49%–9.99% | $8k–$300k | 60–240 mo | None | 4.3 | |
SoFi SoFi Auto Loan | 5.99%–17.99% | $5k–$100k | 24–84 mo | None | 4.5 | |
PenFed PenFed Auto Loan | 5.99%–17.99% | $500–$150k | 36–84 mo | None | 4.4 | |
Marcus by Goldman Sachs Marcus Student Loan Refinance | 5.99%–9.99% | $5k–$300k | 60–240 mo | None | 4.4 | |
MoneyLion MoneyLion Credit Builder Plus | 5.99%–29.99% | $500–$1k | 12–12 mo | $19.99/month membership fee | 3.8 | |
Navy Federal Credit Union Navy Federal Credit Union Mortgage | 6.10%–7.80% | $50k–$2000k | 120–360 mo | No origination fee on VA loans | 4.7 | |
Guaranteed Rate Guaranteed Rate Mortgage | 6.20%–8.10% | $100k–$4000k | 120–360 mo | Varies; typically 0.5%–1.5% | 4.3 | |
Better Better Mortgage | 6.30%–7.50% | $100k–$3000k | 180–360 mo | — | 4.4 | |
 U.S. Bank U.S. Bank Mortgage | 6.30%–8.00% | $100k–$5000k | 120–360 mo | Varies by loan type | 4.2 | |
New American Funding New American Funding Mortgage | 6.40%–8.30% | $75k–$3500k | 120–360 mo | Varies; competitive on FHA and non-QM | 4.4 | |
 Upstart Upstart Personal Loan | 6.40%–35.99% | $1k–$50k | 36–60 mo | 0–12% of loan amount | 4.3 | |
loanDepot loanDepot Mortgage | 6.40%–7.90% | $100k–$3000k | 180–360 mo | 0%–2% of loan amount | 4.2 | |
 LightStream LightStream Auto Loan | 6.49%–20.49% | $5k–$100k | 24–84 mo | None | 4.6 | |
Third Federal Savings & Loan Third Federal Savings & Loan HELOC | 6.49%–7.99% | $10k–$200k | 120–360 mo | No origination fee; $65/year annual fee | 4.6 | |
Rocket Mortgage Rocket Mortgage | 6.50%–7.80% | $85k–$2500k | 180–360 mo | — | 4.5 | |
 Chase Chase Mortgage | 6.50%–8.20% | $100k–$5000k | 120–360 mo | Varies; relationship discounts up to 0.50% | 4.3 | |
U.S. Bank US Bank Auto Loan | 6.74%–22.74% | $5k–$100k | 12–84 mo | None | 4.3 | |
Bethpage Federal Credit Union Bethpage Federal Credit Union HELOC | 6.99%–10.99% | $10k–$1000k | 120–240 mo | No closing costs; no annual fee | 4.5 | |
Figure Figure Home Equity Line Editor's Choice | 7.35%–15.54% | $15k–$400k | 60–360 mo | 0%–4.99% of draw amount (rolled into balance) | 4.8 | |
LightStream LightStream Home Improvement Loan | 7.99%–25.99% | $5k–$100k | 24–84 mo | None | 4.6 | |
LightStream LightStream Personal Loan | 7.99%–25.99% | $5k–$100k | 24–84 mo | None | 4.5 | |
Discover Bank Discover Personal Loans | 7.99%–24.99% | $3k–$40k | 36–84 mo | None | 4.4 | |
PenFed PenFed Home Equity Line of Credit | 8.00%–18.00% | $25k–$500k | 120–240 mo | No closing costs; no annual fee | 4.3 | |
U.S. Bank U.S. Bank HELOC | 8.20%–12.80% | $15k–$750k | 120–360 mo | No origination fee; $90/yr after year 1 | 4.3 | |
 Upgrade Upgrade Home Improvement Loan | 8.49%–35.99% | $1k–$50k | 24–84 mo | 1.85–9.99% | 4.2 | |
 Bank of America Bank of America HELOC | 8.60%–14.40% | $25k–$1000k | 120–240 mo | No closing costs; no annual fee | 4.1 | |
SoFi SoFi Personal Loan | 8.99%–25.81% | $5k–$100k | 24–84 mo | None | 4.6 | |
SoFi SoFi Home Improvement Loan | 8.99%–25.81% | $5k–$100k | 24–84 mo | None | 4.5 | |
 LendingClub Bank LendingClub Personal Loan | 8.99%–36.00% | $1k–$40k | 36–60 mo | 1–6% of loan amount | 4.2 | |
 Wells Fargo Wells Fargo Home Improvement Loan | 9.49%–24.99% | $3k–$100k | 12–84 mo | None | 4.0 | |
Credit Strong Credit Strong Build Account | 15.73%–17.99% | $1k–$10k | 12–48 mo | $15 one-time admin fee | 4.5 | |
Self Financial Self Credit Builder Account | 15.90%–29.90% | $600–$2k | 12–24 mo | $9 one-time | 4.6 |