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Level 1
January 21, 2026
Solved

I took out a loan from my 401k in 2025 but I pay back the loan through my paycheck. Will I receive a 1099-R form?

  • January 21, 2026
  • 2 replies
  • 33 views
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Best answer by Opus 17

Expert Reviewed

As long as your repayments are in good standing, a loan is not a withdrawal and you will not get a 1099-R.

 

If you stop making payments (because you default somehow, or you leave the company and don't repay it after leaving) then at that time the outstanding balance will become a withdrawal, with different consequences depending on why you stopped payment. 

2 replies

DoninGA
Level 15
Level 15
January 21, 2026

No, you will not receive a Form 1099-R for the 401(k) loan, it is not reported on a tax return.

Opus 17Level 15Answer
Level 15
January 21, 2026

Expert Reviewed

As long as your repayments are in good standing, a loan is not a withdrawal and you will not get a 1099-R.

 

If you stop making payments (because you default somehow, or you leave the company and don't repay it after leaving) then at that time the outstanding balance will become a withdrawal, with different consequences depending on why you stopped payment.