Having quick and easy access to money is a big deal for rideshare drivers and other gig workers, but traditional cash advance options don’t offer much for us. With technology and the economy constantly evolving, cash advance companies are too. RSG contributor Chonce Maddox-Rhea weighs the pros and cons of the best cash advance apps for gig workers.

    There aren’t many jobs where you can get instant access to cash but that’s one of the things people love about the gig economy. However, sometimes you get in a bind and need money fast. Maybe your car is in for unexpected repairs or you have medical expenses that you need extra cash to cover. Times like those, you may want the option of getting a cash advance.

    Traditional payday loans and similar cash advances can have a high-interest rate. Plus, it can be challenging to even qualify for these loans due to the unexpected nature of your income. Luckily, there are plenty of cash advance apps for gig workers that are geared directly toward people like Uber drivers, Instacart shoppers, and more.

    The underlying technology that a lot of these companies use is Argyle, which allows them to sync up your gig accounts and see your earnings history and more. This gives the cash advance companies the confidence to loan you money. So I’d expect to see a lot more offerings like this in the future.

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    Best Cash Advance Apps for Gig Workers

    1. Lean

    Lean offers a cash advance up to $1,000 for gig workers, but you can only apply through the platforms they are partnered with. Lean has announced a partnership with Rapidus so far and has many more to come – so keep an eye out.

    Once you’re working for a partner platform though, you’d apply for and then connect to a Lean ‘digital wallet’.

    This allows Lean to deliver your pay to your bank account immediately after completing a job. There are no extra fees to use Lean and you’ll get paid even faster.

    Lean has raised more than $4.5 million and is backed by world-class investors (including our own Harry Campbell who’s also an advisor to the company). While you can’t sign up for Lean directly, it’s likely that you will be driving or delivering for a partner soon and can sign up through the platform that way.

    Pros and Cons of Using Lean


    • Instant cash advance up to $1,000
    • No fees of any kind


    • Gig workers cannot sign up directly right now and must do it through a partner platform (Rapidus and more to come)

    Tilak Joshi, CEO of Lean, published a post titled “Why I Started Lean” and stated in part, “The reality goes far beyond simple classifications. Those in the hustle economy are not choosing flexibility over benefits.

    Finding work is instead about empowerment and individuality. It is an economy that requires both flexibility and benefits. Workers don’t need a new label, they need a new model that enables them to work how they want AND get the benefits they need.”

    2. Moves

    Moves is a financial app designed for gig workers that helps you track your earnings and get a cash advance up to $1,000.

    How it works is you download the app, then connect the different platforms you work for to track your earnings. Then, Moves will calculate how much you may qualify for if you need a cash advance.

    Moves supports a ton of different rideshare and gig apps.

    best cash advance apps for uber and lyft drivers

    You’ll pay one low, simple fee for your cash advance and make weekly payments as you get paid from the platforms you’re working with. You can also pay back your cash advance early if you wish.

    Pros and Cons of Using Moves


    • Quick cash advance (receive your funds in up to 1 to 2 days) up to $1,000
    • Partners with many popular rideshare, delivery, and gig worker apps


    • Additional driver support would be helpful – mileage tracker or a snapshot of earnings across platforms

    On the Google Play app, Moves has an average user rating of 3.9 stars out of 5. This reviewer gave it 4 stars and stated in part, “Great app! The process is easy, seamless, and the funds are available fast! Honestly, it was unbelievable how simple and easy it was to get a loan based on my own gig income…”

    Writer Enoch Omololu with Savvy New Canadians did a review of their own of Moves and gave it a rating of 4.2 stars out of 5. The summary of the review stated, “Moves financial is a Canadian financial services platform offering online loans to freelancers and gig workers.”

    In an interview with writer Jerome Knyszewski, the CEO of Moves Matt Spoke stated, “I didn’t have a perfect grasp yet on what the problem was or how to solve it, but I remember very clearly seeing a massive gap and opportunity out of these things.

    Gig workers were critical to the success of businesses like Uber, but they obviously felt like they weren’t being treated fairly, or weren’t being properly supported in their pursuit of a stable career path.

    That was enough to get me into a rabbit hole of learning everything I could about the gig economy and its workers. I specifically remember one meaningful 15-minute conversation I had with an Uber driver on my way home. He opened up to me completely about the challenges he was facing and his motivations for having joined the gig economy in the first place.

    The next day, it was clear to me. I had a new mission — and Moves was born.”

    For an in-depth look at Moves, check out our full review.

    Interested in signing up with Moves? Create a Moves account here.

    3. Giggle

    Giggle provides fast and transparent financing for Uber and Lyft drivers in need of money quickly. There are no credit score requirements to apply. Instead, you can receive an advance by selling a portion of your future sales.

    You can borrow up to $5,000 and the payments for the advance are automatically deducted from your earnings account as well as a small fee.

    best cash advance apps for uber and lyft drivers

    Giggle has a quick and easy application process, and if you’re approved, the money could make it to your account in just minutes. The only requirement for self-employed individuals is that you should have been working for at least 3 months by the time you apply.

    Pros and Cons of Using Giggle


    • Instant cash advance up to $5,000
    • No credit check required


    • Pay a fee for borrowing from your future earnings – Giggle does not specify how much the fee is, but it could vary depending on how much you borrow.


    best cash advance apps for uber and lyft drivers

    This user gave Giggle 5 out of 5 stars and said, “No one would loan me money and Giggle Finance came through for me. The application was easy, as well as, getting approved was simple and quick. Great company to do business with!”

    4. Stoovo

    Stoovo is a slightly different app that actually helps you find flexible work opportunities, helps you track your earnings, and provides a cash advance if you need it. There are more than 6,000 different gig work opportunities you can find through the app.

    You can use the app to plan your schedule and get matched with the best flexible job or side hustle based on your preferences.

    best cash advance apps for uber and lyft drivers

    Similar to Moves, you can connect all your work and gig accounts in one place and track your income. If you need emergency cash, Stoovo offers a cash advance that you can pay back within 30 days. Borrow up to $100 and there are no fees or hidden costs.

    Pros and Cons of Using Stoovo


    • Quick cash advance
    • No hidden fees
    • Help with finding flexible work opportunities


    • Lower maximum borrowing amount

    On the Google Play app, Stoovo app has an average user rating of 4.0 stars out of 5, though several of the lower-rated reviews state the low reviews are because it is not offered in their state. Stoovo is currently only offered in California.

    5. Coverr

    Coverr is a financial app designed for 1099 workers that offers a cash advance of up to $1,500. To apply, all you need is your driver’s license and proof of your earnings for the past 4 weeks. It can take up to 24 hours to get approved for a cash advance, then the money could be deposited into your bank account by the next business day.

    There is no interest or fees, and you can pay the loan back over time with your future earnings.

    Pros and Cons of Using Coverr


    • Quick cash advance for up to $1,500
    • No hidden fees
    • No credit check
    • Personalized repayment plan


    • Longer approval time
    • Wait around 24 hours to receive funds after you’re approved

    Adam Figueira of Lending Front wrote a review of Coverr and said in part, “COVERR’s business model solves many problems that modern workers like Uber or Lyft drivers face—but initially, its financing process lacked the convenience 1099 business owners needed.”

    He went on to say, “COVERR’s team looked at dozens of options to streamline how they brought clients into the sales funnel, underwrote cash advances, tracked and deployed capital, and managed repayments. They needed an end-to-end solution that was customized to their clients’ and their own business’ needs…COVERR is still in its business infancy, but with LendingFront streamlining the critical financing process, Kobina and his team are able to set their sights on future expansion.”

    Kobina Ansah, CEO of Coverr, said in an interview, “The term gig worker refers to all independent contractors, and the majority of financial services companies currently in the market only cater to a very small portion of that population. Drivers, for example, have historically been underserved, and at COVERR we envision a world where they and other gig workers are able to earn more and have a greater sense of financial security.”

    6. Belay

    Belay is an app that partners with Uber, Lyft, and Uber Eats to guarantee your hourly rate. How it works is you connect the platform you’re working on and Belay will calculate the highest wage it can guarantee based on your chosen schedule.

    If you earn less than the guarantee, Belay pays you the difference. If you earn more, you’ll be charged a tax-deductible 4% fee that goes toward supporting the service.

    As long as you’re active and making an effort to accept trips, if you don’t make Belay’s earning guarantee, they will top off your account with the appropriate amount as soon as you finish your driving session.

    They even have opportunities for you to “immediately access up to 25% of forecasted income” upfront. How does that work? According to their FAQs, “You set and commit to a driving schedule of your choice. We front you up to 25% of your forecast’s value with a small 4% cut. You get paid upfront and we bill you the percentage we purchased as you work.”

    This app could be helpful if you’re looking to earn a more stable and expected income from rideshare driving or are currently struggling to earn a desired hourly rate. It can also act as your cash advance backup.

    Pros and Cons of Using Belay


    • Guaranteed hourly rate
    • Works with Uber, Lyft, and Uber Eats
    • No fees for Belay to pay you a guaranteed hourly rate


    • Can be charged a 4% fee if you exceed the hourly rate (this could incentivize some drivers to drive/earn less)
    • No larger cash advance amounts available

    Kai Golden, co-founder and CEO of Belay, states on their website, “I was raised by a gig worker. Our costs were high, our income was choppy. For our family, low demand meant anxiety, uncertain work hours, and debt.

    We felt stuck, struggled to plan, and our sanity hurt as much as our wallets. I learned that it isn’t just about the money – it’s about the consistency.

    As the gig economy grows, so too will this uncertainty. We founded Belay to make your income truly certain within your chosen schedule, so you can focus on what matters most in your life.”


    While Solo doesn’t offer cash advances, it does get an honorable mention from RSG! Solo offers gig workers, like Uber drivers and DoorDashers, the ability to optimize their time and generate a guaranteed daily income. Harry is such a fan of this company, that he came on as an advisor for them recently.

    Solo will work to crunch the numbers on how much you earn hourly for all of the gig jobs you work. If you earn less than the course of your daily schedule, they’ll pay you the difference. This helps to keep your earnings steady weekly, no matter what happens during the course of your gig worker week.


    best cash advance apps for uber and lyft drivers


    As Bryce Bennett, Solo co-founder and CEO said recently in GeekWire, “We’ve always felt that the deck is kind of stacked against gig workers. They don’t have a lot of tools or information to actually be effective or efficient with their time. It’s kind of a guessing game.” 

    The whole idea of Solo is to help gig workers get a better understanding of when, where, and which gig platform to work for across the various platforms. Let’s say you drive for Uber, Lyft, DoorDash, and occasionally pet sit with Rover. Solo can help you determine which app you earn the most with over a given period of time, helping you take the guesswork out of your earnings.


    As you can see, this is a perfect time to be a rideshare driver or gig worker. There is no shortage of legitimate low-fee cash advance options for 1099 workers.

    However, since these apps and the concept of giving gig workers cash advances is so new, we’re doing our due diligence to gather information and learn as much as possible about these apps. It is great to see that there are becoming more options for gig workers so we can get more of the same advantages as W-2 employees.

    Since these apps are free, there’s little reason to avoid simply signing up just in case you ever need a quick cash advance. Compare the benefits and drawbacks of each option to see which one works best for you.

    Which cash advance app sounds most appealing to you? Tell us below your experience if you’ve already tried one!

    -Chonce @ RSG

    Chonce Maddox Rhea

    Chonce Maddox Rhea

    Choncé is a freelance writer who’s obsessed with living well on a budget and loves encouraging people to make extra money so they can meet their financial goals. She is happily married to one of the best Uber drivers in the Chicago metro area, who currently has 2,800+ trips under his belt.