Personal Bank Statement Loans

Get paid into your personal account? Qualify on your personal deposits instead of tax returns.

How personal bank statement loans work

We review 12 or 24 months of personal bank statements and average your eligible deposits to calculate qualifying income. Because there's no business expense factor, personal statements often show your full income.

This program fits 1099 contractors, freelancers and owners who pay themselves into a personal account.

Key benefits

No tax returns

Income is calculated from personal deposits, not tax returns.

No expense factor

Eligible deposits count toward income without a business expense deduction.

Made for 1099 income

Contractors and freelancers qualify on what actually lands in their account.

Fast pre-approval

Get pre-approved in minutes with a soft credit pull.

Basic requirements

Typically 660+ credit score
12 or 24 months of personal bank statements
2 years of self-employment or 1099 income
10-20% down payment
Primary residence, second home or investment property

Large deposits that aren't income may need an explanation. Get pre-approved for exact terms.

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Who it's for

1099 contractors and freelancers
Rideshare, delivery and other gig workers
Real estate and insurance agents on commission
Owners who pay themselves into a personal account

Where it's available

Available in California, Colorado, Florida, Illinois, North Carolina, South Carolina, Tennessee, Texas, Oregon, Pennsylvania, Washington.

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Run the numbers

Use our free calculator to estimate your payment before you apply.

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How it works

1
Get pre-approved
Answer a few questions online. Soft credit pull, results in minutes.
2
Upload documents
Securely upload what we ask for in your portal, available 24/7.
3
Close fast
Our AI-native underwriting moves your file forward. Close in as fast as 14 days.