Yes, an Uber driver can get a loan in 2026, but the process is different than for a W-2 employee because they are classified as Independent Contractors. Since they don't have a traditional "pay stub," lenders (banks, credit unions, and online lenders) will require two years of tax returns (Schedule C) and several months of bank statements to verify their "Net Income" after expenses. In 2026, Uber has also partnered with "FinTech" companies to offer "Earned Wage Access" and specialized "Gig Economy Loans" directly through the Uber Pro platform. These loans are often based on the driver's "rating" and historical "earnings data" within the app rather than just a traditional credit score. For car-specific loans, many drivers use "Lease-to-Own" programs or specialized auto lenders that understand the high-mileage nature of rideshare work. The main challenge for drivers in 2026 remains "DTI" (Debt-to-Income ratio); because drivers deduct significant expenses like fuel and maintenance on their taxes, their "taxable income" often looks lower than their actual cash flow, which can sometimes make qualifying for large mortgages more difficult without a specialized "Self-Employed" loan officer.