Get up to $500
when you need it.
Built for independent workers — no credit check, no employer required.
Start with your email — takes 30 seconds
Your data is safe. No spam. Takes you to a 5-minute application.
"Great service comes in handy when I need the money"— Jonathan Rachal
Three steps to get your cash advance.
No paperwork. No credit check. No bank appointments. 100% online.
Apply in 5 minutes
Tell us where you work and how much you need. 100% online.
We review your earnings
If you earn on any gig platform, you qualify — we look at earnings, not credit history.
Funds in your account in 24h
Money deposited directly to your bank. Repay gradually as you earn — no fixed payments.
You qualify if you work with:
+ any platform that pays you directly
Don't drive?
You can still earn.
Refer a gig worker to KoinsYa. When they pay off their advance, you earn $20 — no limits. You don't need to be a driver or have an advance. Just share your link.
Sign up free
Name + email only. No advance, no credit check.
Get your link instantly
Your personal referral URL is ready immediately.
Earn $20 per referral
No limits. Paid when your referral pays off their advance.
Start earning in 30 seconds.
No advance needed. No bank info required. Just your name and email — your personal referral URL is ready immediately.
You pick the amount.
We show you exactly what you pay — before you commit.
- Factor rate and all fees displayed before you commit
- Daily payment amount calculated automatically
- No prepayment penalty — pay early, pay less
- Repay from your daily gig earnings — no fixed monthly payments
Amount selected is
| Purchase Price | Standard Term (Days/Payment) |
Standard Daily Payment |
|---|---|---|
| — | — | — |
| Origination Fee | Factor Rate | Total of Payments |
| — | — | — |
Factor Rate is 1.4 the Amount Financed
Past Due Card Decline fee is $4.99
Verified Google reviews
Real reviews
from real
workers.
"Great service comes in handy when I need the money"
2 months ago
"Quick cash when you need funds immediately!"
2 months ago
"This is a great site when you need a little financial boost during the week"
2 months ago
Frequently asked questions
about KoinsYa.
Quick answers before you apply.
No. KoinsYa is a Merchant Cash Advance (MCA), not a loan. You sell a portion of your future gig earnings in exchange for immediate cash. It is not classified as a loan, does not appear on your credit history, and is not subject to the same regulations as a personal or business loan.
KoinsYa does not check your credit score. There is no credit inquiry of any kind. KoinsYa reviews your earnings on your gig platform, not your credit history, employment record, or debt-to-income ratio. No hard pull. No soft pull. Zero credit impact.
Once your advance is approved, funds are deposited directly to your bank account the same day. You do not need to wait for a check or visit any location. The deposit is made via direct bank transfer.
You can request between $50 and $500, in increments of $50. The amount available to you depends on your gig earnings history.
Join thousands of gig workers
who trust KoinsYa.
No credit check. No employer required. Your earnings are your qualification. Apply in minutes and get funded in 24 hours.