Delivery Vehicle Loan Application for Gig Economy Workers

Get Behind the Wheel with Gig-Friendly Vehicle Financing

Finding the right vehicle loan as a gig economy worker shouldn't be complicated. Whether you're delivering food with DoorDash, driving for Uber, or hauling packages for Amazon Flex, you need a reliable vehicle to keep earning—and traditional lenders don't always understand the unique income patterns of platform workers.

This Delivery Vehicle Loan Application is designed specifically for gig economy drivers who need financing tailored to their work. It captures everything lenders need to assess your application while accounting for the realities of multi-platform income, high-mileage commercial use, and the specific insurance requirements of delivery work.

Why gig workers need specialized vehicle financing

Traditional auto loans are built around W-2 employees with predictable paychecks. But if you're earning across multiple platforms, your income documentation looks different—and your vehicle needs are different too. You're not just commuting; you're running a mobile business that depends on vehicle reliability, fuel efficiency, and commercial insurance coverage.

This template helps you present your gig income professionally, demonstrate your earning potential across platforms, and specify the vehicle features that matter for your work—cargo space, fuel economy, and durability for high-mileage use.

What makes this template work for delivery drivers

The form collects standard loan application information alongside gig-specific details that matter:

Platform partnerships: Document which delivery and rideshare platforms you work with, your tenure on each, and your average weekly earnings. This gives lenders a complete picture of your multi-stream income.

Vehicle specifications: Specify the make, model, and features you need—whether that's a fuel-efficient sedan, a spacious hatchback for restaurant orders, or a cargo van for larger deliveries. The form captures your intended use, annual mileage projections, and whether you're buying new or used.

Commercial insurance: Confirm you understand the insurance requirements for commercial use and can obtain the necessary coverage. This protects both you and the lender.

Financial health: Standard fields for income verification, employment history, credit authorization, and down payment details ensure lenders have everything they need to process your application quickly.

Industries and professionals who benefit

This template is purpose-built for:

• Gig economy delivery drivers working with DoorDash, Uber Eats, Grubhub, Postmates, and similar food delivery platforms
• Rideshare drivers on Uber, Lyft, and other transportation networks who need vehicles that balance passenger comfort with operating costs
• Package delivery contractors for Amazon Flex, Instacart, Shipt, and last-mile logistics platforms
• Multi-platform workers juggling several apps to maximize earnings and minimize downtime
• Lenders and financing companies specializing in gig worker loans, commercial vehicle financing, or platform partnerships

Automate your loan workflow with Stepper

Once applications come in, Stepper can automate your entire loan processing workflow. Route applications to underwriters, trigger credit checks, send conditional approval emails, request additional documentation, and update your loan management system—all without manual handoffs.

For gig workers applying through platform partnerships, Stepper can verify income directly via API integrations, cross-reference insurance coverage, and send customized approval terms based on vehicle type and mileage projections. This means faster decisions and less paperwork for everyone.

Built on Paperform: professional, secure, and flexible

This template is powered by Paperform, the all-in-one form builder trusted by over 500,000 teams worldwide. Paperform is SOC 2 Type II and GDPR compliant, so your applicants' financial and personal information is protected at every step.

Customize the form to match your brand, embed it on your website, or send it as a standalone landing page. Use conditional logic to show different questions based on platform type or vehicle category, and integrate directly with your CRM, underwriting tools, or loan management systems.

Make vehicle financing accessible for gig workers

The gig economy depends on workers having reliable vehicles, and those workers deserve financing options that respect their income reality. This template helps you offer that—whether you're a lending institution building a gig worker program, a platform offering vehicle financing as a partner benefit, or a financing company specializing in commercial vehicle loans.

Start with this template, customize it for your lending criteria, and give gig economy workers a faster, fairer path to vehicle ownership.