Low-interest self employment loans for freelancers

Flexible loans to match your flexible lifestyle

Own your own career

People often say that if you want a job done right, you should do it yourself. That adage has never been more true than when considering becoming your own boss.

Being self employed is a true blessing for anyone who wants more freedom in their livelihood, but it’s not without its challenges.

Partner with Moves and join hundreds of other self-employed workers and freelancers to get low-fee affordable loans and access to credit whenever you need it the most.

Step One

Apply Today

Create an account and request your loan! Our team will review your application for approval or further manual review. We’ll always get back to you within 1 business day.

Step Two

Get paid

If you’re approved, we make an Electronic Fund Transfer to deposit the money into your bank account. Your approved loan amount will appear in your bank account within 1-3 business days.

Step Three

Keep moving

Use the money as you need – pay off high-interest credit, upgrade your transportation, clear some bills – it’s up to you! 

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Your security and trust are important to us, which is why we use the same encryption banks use to secure your information.

Can You Get a Loan If You’re Self Employed?

Yes, however getting a loan while self employed is often easier said than done. Your success on finding a loan depends on a number of different factors, which may include: your debt to income ratio, what you need the money for, your credit history and what kind of loan you want. 

While larger entities and self-incorporated individuals might qualify for business loans, if you’re a sole proprietor you will most likely be relying on personal loans. There are many different kinds of personal loans for self-employed workers, and many different types of lenders. From big banks to independent lenders to payday loans, it’s important to know what your options are when shopping for a loan.

Types of Loans for Self-Employed Workers

Ever wondered how to get a loan when you are self employed? We’ve laid out your three major options below: 


When most people think of a loan, typically they picture going to their bank. Banks have a wide variety of lending options, ranging from your basic credit card to specialized loans like mortgages and car loans.

For most business and personal expenses, a credit card or a line of credit is usually the way to go. Your interest rate and the amount you can borrow will vary depending on a variety of factors, including your credit score, debt-to-income ratio, and credit history. You may also be asked to provide recent paystubs or proof of employment. Obviously, this can be problematic for some freelancers whose business finances and personal finances are closely intertwined.

The other downside of relying on banks for loans is that the lending process is often slow and bureaucratic. On top of lots of paperwork, you will likely encounter delays in accessing your funds if you choose to go this route.

Independent Lenders

Independent lenders usually present the best option for freelancers. They follow the same safety and trust regulations as banks and offer similar rates for financing, however they’re usually less rigid with their lending criteria, making them a better option for loans for self employed workers with poor credit. 

Similarly to banks, independent lenders may still ask for some of your financial information to ensure you can afford the loan you want, however they’re less likely to discriminate against the self employed. Some independent lenders, like Moves, exclusively specialize in loans to freelancers and independent workers. Moves offers loans for self employed workers with no credit check, making them the best option for freelancers who need access to affordable loans.

Payday Lenders

You know the ones…flashy payday loan shops advertising short term loans or cash advances. While they look like a quick and easy place to borrow money, they’re some of the most expensive forms of loans available and have been known to hide unfair terms in their fine print. 

At a first glance, terms equaling to $15 of interest per $100 borrowed doesn’t seem too far-fetched. But it’s important to note that this totals to 3724% APR. By contrast, most credit cards charge 15-30% APR and Moves charges 19-25% APR. Payday loans are designed to keep you in debt for as long as possible, so they should really only be considered as a last resort. Even if you need self employment loans with no credit check, you’re better off looking for a more reputable lender who can work with you to help you get financing at fairer rates.  

Get a Self Employment Loan

It’s never been easier to get loans for freelancers. With no hidden fees or penalties for early repayment, Moves is among the best lenders for self employed workers. 

We help you build your financial reputation without penalizing you for your credit history. Give yourself a financial safety net so you can keep moving with peace of mind.