diff --git a/src/pages/iou/request/step/IOURequestStepConfirmation.tsx b/src/pages/iou/request/step/IOURequestStepConfirmation.tsx
index f9c675ec70ae..7f20db8503f8 100644
--- a/src/pages/iou/request/step/IOURequestStepConfirmation.tsx
+++ b/src/pages/iou/request/step/IOURequestStepConfirmation.tsx
@@ -1,3 +1,4 @@
+import ActivityIndicator from '@components/ActivityIndicator';
 import DragAndDropConsumer from '@components/DragAndDrop/Consumer';
 import DragAndDropProvider from '@components/DragAndDrop/Provider';
 import DropZoneUI from '@components/DropZone/DropZoneUI';
@@ -813,7 +814,16 @@ function IOURequestStepConfirmation({
     };
 
     if (isLoadingTransaction) {
-        return <FullScreenLoadingIndicator />;
+        // When embedded on IOURequestStartPage (shouldHideHeader), the parent header and tab bar stay visible,
+        // so per UI-1 use ActivityIndicator (the user can still go back). In the standalone RHP route there is
+        // no chrome behind this early return, so keep the fullscreen loader.
+        return shouldHideHeader ? (
+            <View style={[styles.flex1, styles.fullScreenLoading]}>
+                <ActivityIndicator size={CONST.ACTIVITY_INDICATOR_SIZE.LARGE} />
+            </View>
+        ) : (
+            <FullScreenLoadingIndicator shouldUseGoBackButton />
+        );
     }
 
     const showNextTransaction = () => {