How KoinsYa works —
your gig earnings are
your qualification.
No credit check. No employer required. Apply in 5 minutes, get a decision within 24 hours, and receive funds the same day you're approved.
KoinsYa Holdings Inc. is a Merchant Cash Advance provider based in Key Biscayne, Florida. KoinsYa offers advances of $100 to $500 to independent gig workers - including Uber, DoorDash, Lyft, Instacart, Amazon Flex, and Delivery Dudes workers - with no credit check, no employer required, and a first-time decision within 24 hours.
Register & apply online in 5 minutes.
Provide a few details about yourself, including what you do and your typical income. Our simple process has no impact on your credit and requires no paperwork.
We review your earnings - not your credit.
Once you submit your application, we'll securely review your earnings activity to understand your cash flow. No hard credit check, no impact on your score.
Approved - fund in your bank the same day.
Once approved, we'll send the funds directly to your bank account. Use it for what matters most - whether it's gas, repair, rent, or peace of mind.
First time or returning - here's what changes.
KoinsYa gets faster and simpler the more you use it. Once you've repaid your first advance, your next one is a completely different experience.
Your first advance -
we get to know you.
- Application in 5 minutes
- Automated screening - instant
- Manual review by our team
- Decision within 24 hours maximum
- Same-day funding on approval
Your next advance -
automatic and fast.
- Automatic approval
- Minutes, not hours
- Apply again as soon as you've repaid
- Same-day funding - same as always
- Build your history with KoinsYa
You pick the amount.
We show you exactly
what you pay.
Before you commit. Factor rate, origination fee, daily payment, and total cost — all shown upfront.
- Factor rate and all fees displayed before you commit
- Daily payment calculated automatically based on your amount
- No prepayment penalty — pay early, pay less
- Repay from your daily gig earnings — no fixed monthly payments
- Past due card decline fee: $4.99 — only if a payment fails
Amount selected is
| Purchase Price | Standard Term (Days/Payment) |
Standard Daily Payment |
|---|---|---|
| — | — | — |
| Origination Fee | Factor Rate | Total of (15) Payments |
| — | — | — |
Factor Rate is 1.4 the Amount Financed
Past Due Card Decline fee is $4.99
Who qualifies
for a KoinsYa
advance.
The requirements are simple. If you work and earn on a gig platform, you very likely qualify
Qualifying platforms
Frequently asked questions
about KoinsYa cash advances.
Straight answers. No fine print.
First-time applicants receive a decision within 24 hours maximum. Your application goes through an automated screening layer first, followed by a manual review by the KoinsYa team. Returning users with a good repayment history are approved automatically, often within minutes. First-time applicants: up to 24 hours. Returning users: minutes.
After submitting, your application goes through an automated screening instantly. For first-time applicants, a KoinsYa team member then reviews your gig earnings manually. You will receive a clear decision, approved or declined, within 24 hours. If approved, funds are deposited the same day.
No. KoinsYa does not require an employer, a paycheck stub, or any proof of traditional employment. KoinsYa is specifically designed for independent contractors and gig workers who do not have a conventional employer.
Yes. Once your current advance is fully repaid, you can apply for a new one immediately. There is no waiting period between advances.
Join thousands of gig workers
who trust KoinsYa.
No credit check. No employer required. Your earnings are your qualification.
Apply in 5 minutes — decision within 24 hours.
