Every day, we're trying to make it simpler to apply for a loan. Once you submit your application, we'll try to confirm your information on our own. Sometimes, you may need to submit a few things to confirm your identity, income, and employment. Keep an eye on your email or check your To-Do List in your account any time to see what you need to do to wrap up your application.
You can submit documents either by uploading from your computer or from your mobile device. Unfortunately, we're not able to accept links to documents from online storage services like Google Drive, Box, etc.
Here are some things you may need to provide in your To-Do List. You'll notice that each item describes what you'll need to provide. For instructions on uploading these documents, see How to upload documents from your computer.
Sections in this article cover:
The exact documents you may need depend on your situation. For example, someone who's self-employed will likely need to provide different documents than someone who is employed by a company.
Common documents that show income are pay stubs, recent bank statements, or 1099 forms. If your income comes from different sources, you can choose to provide retirement, alimony, child support, or other types of income documents, if you'd like those to be considered.
If you're self-employed or a freelancer, you may need to submit a recent tax return or other forms like a W-2 or 1099. The IRS 4506-Tform lets us ask the IRS for copies of your tax returns, W-2, and 1099 forms and also helps us quickly confirm your income. If you see this on your To-Do List, you can download the 4506-T form right from there, or you can also get it from the IRS. See Completing the 4506-T form for instructions on how to fill it out.
Identity and address documents
You may need to provide a copy of your government-issued photo ID, recent utility bills, or other documents to show your identity and current address. You can also provide these other documents as long as they show your name and current address:
- Cable, water, waste management, phone, or local gas or electricity bill
- Vehicle or voter registration (must show a physical address)
- Lease agreement
- Bank or mortgage statements
- Government-issued photo ID
For your security, please do not send a copy of military ID.
- Pay stubs
- Official change of address confirmation from USPS
- Automobile, homeowner's, or renter's insurance