Cash Advance Apps for Independent Contractors and Self Employed

Cash Advance Apps for Independent Contractors

Cash Advance Apps for Independent Contractors – To this day, the feeling and joy of being your own boss remain unrivaled, and it is something that most people who want control over their lives strive for. However, with this freedom comes a greater financial burden for individuals to bear.

Being self-employed can be difficult because, in most cases, you are not eligible for state unemployment benefits, and you may go bankrupt while waiting for a contract, which also means you can’t go grocery shopping, you can’t pay your bills, and even the most basic responsibilities would be impossible to perform.

At this point, cash advances become the savior. But even so, most cash advance apps are not available to independent contractors or self-employed individuals. So, what do you do? I have the solution.

In this article, I reviewed some of the best sites and apps to get cash advances for independent contractors, cash advances for self-employed, no credit check loans for independent contractors, cash advance for gig workers with no credit checkOpens in a new tab., and self-employed loans with no proof of income that you can use in the meantime.

Cash Advance Apps for Independent Contractors
Cash Advance Apps for Independent Contractors and Self Employed (1)

Recommended > Reliable Instant Apps Like Dave To Get Cash AdvanceOpens in a new tab.

Can You Get a Cash Advance if You Are Self-Employed?

As a self-employed or independent contractor, you no longer have to worry about not being able to get a cash advance. Just like employees, you can now get a cash advance from cash advance apps with no credit checkOpens in a new tab., very quick and on your own terms.

What’s the Easiest App to Get a Cash Advance As a Self-Employed?

There isn’t a perfect app for getting a cash advance, but among the available ones, there are a few that you can get a cash advance from without much trouble, namely; Kairos, COVERR, Fundo, Giggle Finance, Moves Financial, etc.

Independent Contractor Planner Book and Log

As an independent contractor, gig-worker or self-employed, it can be demanding to keep up with keeping records and logs. This is why you need a planner book and log that comes with a weekly date planner covering 18 months and includes organized sections for billing, ordering, follow-up and a call log. Learn More…Opens in a new tab.

Include table here,…

List of Cash Advance Apps for Independent Contractors

1. KairosCashAdvance

kairosCashAdvance – cash advance for self employed

Kairos is the ideal cash advance option for all independent contractors looking for a quick cash advance of up to $300. Kairos is so committed to their customers’ success that even if you have no credit history or a low credit score, you can still get a convenient credit option that meets your needs.

The site’s requirements are simple: you must be 21 or older to use it. You must have a verifiable, consistent source of income, an active checking account, and be a U.S. citizen or permanent resident. However, your approval is dependent on your bank account earnings and expenses.

If your cash advance request is approved, you will be notified by mail, and the funds will be available in your bank account the following business day. The repayment is made up of 15 small daily payments. The good news is that once you have completed your previous payment, you can request a new cash advance within the next 24 hours.

Unlike other cash advance platforms, you can pay off the Cash Advance early with no penalty or fee. Kairos charges a unique origination fee of 9% of the amount financed, as well as a $5.00 per day late fee if your advance is past due.


  • Allows first-time borrowers to borrow up to $300.
  • There is no credit check, so you can borrow even if you have bad credit.
  • After approval, the cash advance is available within 24 hours.


  • The approval fee is a little too high.
  • Only US citizens and permanent residents are eligible.
  • The 15-day repayment period appears to be too short.
  • The daily late fee of $5.00 is excessive.
  • There is no mobile app available.

Visit kairoscashadvanceOpens in a new tab.

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2. GetCoverr

 gig worker getcoverr cash advance app
get coverr cash advance platform

GetCoverr is a fintech company dedicated to providing an affordable customized cash advance of up to $1,500 for independent contractors, self-employed individuals, or gig workers, with the current target audience being Uber, Lyft, DoorDash, and other rideshare app drivers.

COVERR , like Kairos, does not conduct a credit check; instead of your personal credit score, they focus solely on the performance of your business. As a result, the cash advance amount you receive on COVERR is based on your earnings over the previous four weeks.

As an independent contractor seeking a cash advance from COVERR, all you need to do is fill out a few details on an online applicationOpens in a new tab. and provide A valid driver’s license, a US bank account, four weeks of consecutive income from your 1099 role—and verify that you have been employed for at least a month.

Once all required documentation is received, an application decision is usually made within two hours, and the requested cash advance is usually delivered within 24 hours of approval. COVERR simplifies the cash advance repayment process by dividing the total amount into small amounts and requiring you to pay through daily automated micro-debits until the debt is paid back.


  • A cash advance of up to $1500 is possible.
  • Funds are sent to you within 24 hours of being approved.
  • SSNs are not required for application.
  • Credit checks are not performed and are irrelevant.
  • It does not charge interest, but rather a simple service fee.


  • Not available to general independent contractors, but available to drivers.
  • There is no mobile app.

Visit getcoverrOpens in a new tab.

3. Moves Financial

moves financial cash advance for doordash drivers
moves financial offers cash advance for doordash drivers

Moves Financial is the first spending account designed specifically for gig workers. On moves financial, self-employed, freelancers, independent contractors, and others can have cash advances of up to $1,000 deposited instantly into their Moves Spending Account.

Moves does not require your credit score! Your eligibility is determined by the amount of gig income you deposit into Moves. No pay stubs or proof of income are required. The Movesfinancial advance is entirely dependent on your average income.

Moves have no monthly fees, instead of an interest rate, Movesfinancial charges a simple 3.5 percent service fee, and no minimum balances are required. There are also banking features designed to improve your work flexibility. With your gig earnings and expenses all in one place, you can easily manage your finances.


  • Get an advance of up to $1,000.
  • Does not perform a credit check.
  • Eligibility is determined by your gig income.
  • The cash advance amount depends on your average income.
  • There is a mobile app.
  • no interest fee.


  • There is a service fee of 3.5%, which is a bit high.

visit movesfinancialOpens in a new tab. Get move appOpens in a new tab.

4. Fundo

fundo cash advance website

Fundo is an online cash advance platform where gig workers, independent contractors, microbusiness owners, self-employed individuals, and freelancers can get cash advances ranging from $100 to $2000 with flexible repayment options, no hidden fees or charges, and up to 180 days to repay.

While Fundo performs a soft credit check, it plays a minor role in its decision-making because its main focus is on your ability to meet your payments, not your past financial situation. Furthermore, if you meet all of the small loan requirements, Fundo will usually approve and send you funds on the same day.

To use fundo, you must be at least 18 years old and have a steady income from a full-time or part-time job. Your request, on the other hand, maybe denied if there is any risk of being placed in a financial bind as a result of borrowing money from Fundo.


  • On the go, you can get a cash advance of up to $2000.
  • There are no additional fees or charges.
  • You have 6 months (180 days) to repay the loan.
  • Approval and funding to your account the same day.


  • There is a credit check? (although it doesn’t determine your eligibility.)
  • There is no mobile app.
  • It is limited to a region because it is only available in the Australian market.

Visit fundoOpens in a new tab.

5. Giggle Finance

gigglefinance - payday loans for self-employed
gigglefinance – payday loans for self-employed

Giggle Finance is a dependable online finance firm that provides cash advances up to $5,000 on the go for gig workers, 1099 workers, self-employed, independent contractors, and small businesses based in the United States with a 7.5 % service fee and ZERO interest fee.

It only takes 8 minutes to apply for a Giggle cash advance! And all that is required to use the online finance platform is a bank account with online access and to be in business for at least three months, plus Giggle finance does not conduct a credit check.

When you apply for and are approved for a Giggle Business Advance, the funds are transferred to your bank account within minutes. The advance is paid back in full through automated debits.


  • There is no interest rate.
  • For the first time, you can get up to $5,000.
  • Giggle Finance conducts no credit checks.
  • Approval is almost instantaneous.
  • Within minutes, funds are wired to your bank account.
  • The application process takes no more than eight minutes.


  • The service charge fee of 7.5 percent is far too high.
  • There is no mobile app available.
  • It is restricted to a specific region because it is only available in the United States.

Visit  gigglefinanceOpens in a new tab.

6. Blursoft

blursoft cash advance for gig workers no credit check
blursoft cash advance for gig workers no credit check

Blursoft provides cash advances to contractors and independent contractors. They operate in such a way that contractors and self-employed professionals with no credit can request a cash advance of up to $5000 at the outset to get the capital they need for a successful launch or to keep their business running.

The Blursoft cash advance application process is so simple that you only need to go to the Blursoft website and fill out a short online formOpens in a new tab.. Following that, one of their funding specialists will contact you to further discuss your needs and situation. Even if you have bad credit, your chances of approval are high.

When your application is approved, the funds are transferred to your provided bank account within 24 hours or less. Aside from the low-interest rate of 1.2 percent, you would be given a grace period of 24 months to repay, which makes sense when compared to others.


  • The approval rating is extremely high.
  • There will be no credit check.
  • For the first time, you may request up to $5000.
  • After approval, your account will be funded within 24 hours.
  • A low-interest rate of 1.2 percent is charged.
  • The repayment period is set at 24 months.
  • Both general and independent contractors are welcome.


  • There is no mobile app available right now.

Visit blursoftOpens in a new tab.

Other mentions are

  • SafetyLend
  • Cashspotusa
  • Acorn Finance

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We understand that being an independent contractor or self-employed professional isn’t always as rosy as we might think. However, with the help of the cash advance apps and websites for gig workers with no credit check we’ve listed above, you now have a reliable, consistent, and trustworthy source to turn to when you need some cash to keep your business running.

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