All documentation must: 

•  Have your name and the company name listed. Please note that these are personal loans and we only consider personal income. We do not accept co-signers, spousal income or household income. 

• Be recent and within the last 30 days

• Be clear and complete (make sure we can see all 4 corners of the document and all parts are clearly legible)

Find your income type below to see what document we’ll accept to verify your source of income. We will require different documentation depending on your employment status.

Full Time and Part Time Employment (W2 Employee)

• A pay stub within the last 30 days is needed to verify your income, if you receive a pay stub, please provide one. If you do not have your first pay stub yet and/or starting a job in the future, please submit your official job offer stating your compensation and start date.

Additional Compensation: Such as a bonus or commission

• Include an offer letter that states your target bonus or commission structure.

• Provide your last pay stub of the previous year that shows your previous years bonus or commission earned in full

• Provide your W2 from the previous year that reflects your total income earned from that income source

If you don't have either of these documents, we would only be able to consider the bonus/commission that has already been earned. We cannot verify future commissions or bonuses as that type of pay is not guaranteed.. 

Multiple Jobs (W2)

• If you have multiple W2 jobs, please report each job individually, and provide the above information to verify your reported income from each job.

Independent Contractor or Multiple Jobs (1099 employee)

Example: Airbnb or Lyft/Uber

Less than 1 calendar year of being a 1099 worker:

• We need a contract/job offer letter that details out all aspects of your job: Start date, pay rate, occupation/job duties, hours expected to work in a specified pay period, and any other important job details. Due to the nature of the job and not being expected to work a certain amount of hours, we will not be able to verify ride-share or food delivery income if you have not worked a full calendar year.

OR

More than 1 calendar year of being a 1099 worker:

• A complete 1040 tax return from the previous tax year that reflects your reported taxable income, AND Proof of recent income in the form of a digital deposited check image, invoice, OR pay stub. We will also need a bank statement that verifies that the proof of income was deposited into your bank account.

Self Employed/Sole Proprietor: Running your own business or own part of a business

Note: If you have not done this for more than a full calendar year, we will not take this income into account when evaluating your application

• A complete 1040 tax return from the previous tax year that reflects your reported taxable income.

• Proof of recent income in the form of a digital deposited check image, invoice, or pay stub. We will also need a bank statement that verifies the proof of income was deposited into your bank account.

Retirement Benefits and Income

• Current year or months benefits letter that verifies the amount awarded

• 1099 tax document from the previous year that shows your yearly awarded amount

Alimony/Spousal Support/Child Support

• Provide a court order/agreement that outlines how much you receive, how often payments are disbursed and for how long. 

Rental Income

• Upload your lease for the rental property that shows your name, monthly amount and lease term. Additionally, please upload your most recent tax return to verify the taxable income for this property.

  • Previous years 1040 tax return that reflects your rental income

  • Proof of income to show you are actively receiving income in the form of a lease agreement or checks from the tenant

  • Bank statement that reflects the monthly income coming from the tenant.

Note: If you have not done this for more than a full calendar year, we will not take this income into account when evaluating your application.

Trust or Pensions

• Statements from your pension plan

OR

• Letters from your Trust administrator

Disability Benefits

•  Provide a benefits letter that defines the amount of income received, frequency of payment, and duration of the benefit.

For more information about what we accept as income, click here.