How Gig Workers and Freelancers Qualify for Loans Through Pennie Financial's Income-Focused Platform

How Gig Workers and Freelancers Qualify for Loans Through Pennie Financial's Income-Focused Platform

The gig economy has transformed how millions of Americans earn a living — but traditional lenders haven’t caught up. Pennie’s income-focused loan marketplace is built for borrowers whose income doesn’t fit the W-2 mold. The modern workforce doesn’t look like it used to. Rideshare drivers, freelance designers, contract developers, content creators, consultants — millions of Americans now earn their living outside the traditional 9-to-5 structure.…

No Credit History? Damaged Credit? How Pennie Financial's Income-Focused Lending Gives Borrowers Options

By: Georgette Virgo Whether you’re building credit for the first time or rebuilding after a setback, traditional lenders often say no. Pennie’s income-focused loan marketplace evaluates what you earn — not just what your credit score says. Two borrowers walk into a bank. One is 24 years old, just started a solid job, and has never had a credit card. The other is 45, went through a divorce three years ago, and is still recovering from the financi…