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bshep1023
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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?

 
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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?

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

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?

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. 

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