Hey Gig Workers! faster, fairer way to borrow is here!

Borrow without fear, save without stress, and build credit with confidence. GigsCheck's plans give every gig worker, 1099 workers, independent contractors, freelancers, rideshare drivers, and self-employed individuals a chance to grow their money, no matter where they're starting.

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Our Plans

Start where you are.

When banks don't take your gig business seriously, we do. Regardless of your starting point, we have a plan that supports independent gig workers on their journey to gain financial stability with no additional pressure.

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Cash Advance for Gig Workers

Get approved and use Cash Advance whenever you need it.
No hard credit checks, no worries*

Great for

  • Anytime, no need to wait until payday
  • Starts at $200, can go up to $2,500
  • Will not affect your credit score
Learn More
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Installment Loans for Gig Workers

Easily repay borrowed funds in fixed,
scheduled payments over an agreed period.

Great for

  • Repay over a longer period of time
  • Starts from $2,500 to $5,000
  • Less chances of debt cycle
Learn More

How we work?
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Money Wins made possible.

GigsCheck is your next step, whenever you struggling financially. A product only for gig workers!
Borrow money in 3 easy steps

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1Apply Online: Select the amount you want and fill out our online application form.

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2Instant Approval : Receive an instant lending decision.

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3Get Cash in Minutes : If approved, you can receive your money in 10 minutes.

The Gig Facts

The average gig worker says they have a harder time obtaining credit

Due to not having a steady income, gig workers have consistently faced challenges in obtaining credit compared to others — it's a system set up to profit from people's financial struggles.

  • 29% of U.S. gig workers earn less than minimum wage.

  • 24% of U.S. gig workers admit that savings wouldn't last one month.

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What our customers say

Money Wins made possible.

At GigsCheck, we care for all our hardworking gig workers and their financial health. Our mission is to make financial services possible for all.

Popular Questions

What is GigsCheck?

GigsCheck is like a banking app for hardworking gig workers, independent contractors, freelancers, rideshare or delivery drivers, 1099 workers, and self-employed individuals with fluctuating income or lower credit scores. Gig workers can now get instant gig economy loans and cash advances up to $5,000. Our simple online application process provides peace of mind by offering instant funding 24/7/365, all within minutes. You can use your approved funds to cover cash shortages, grow your business, or pay bills without delay.

Is GigsCheck legit?

Yes, GigsCheck is a real financial services provider for cash advances and gig economy loans. Founded in 2016 and based in Salt Lake City, Utah. GigsCheck respects its customers' security and privacy, which is why it has several security measures. The platform has modern security features, including 24/7 fraud monitoring, data encryption, and SIPC protection. Generally, the GigsCheck app is safe to use, like other financial services apps out there.

Do I qualify for funding?

At GigsCheck, our mission is to help self-employed gig workers and small business owners with flexible cash advances and gig economy loans. If you're a gig worker, independent contractor, freelancer, or 1099 worker and can repay on time, you can qualify. The good news is that we don't take your credit score as a deciding factor for approval.

What are GigsCheck's requirements?

Our requirements to qualify for a cash advance or gig economy loan are very simple:

  • At least 19 years old.
  • Gig work or business must be operational for at least 2-3 months.
  • At least $1000 monthly income.
  • Ability to repay on the due date.

Regardless of your credit score, it is not a factor in the approval process. GigsCheck aims to provide fast funding by eliminating traditional banking protocols.

Why might I not be eligible?

If you have only a W-2, sorry, you won't qualify. However, if you have a hybrid of W-2 and income from gig work, a 1099, or a gig economy business, you can still apply and qualify for the funding.

How can I apply?

We know that gig workers are always in rush, that's why our application process is finished in 3-simple steps:

  • Check your rate and repayments: Submit your application, and you can get a conditional loan offer within minutes without impacting your current credit score.
  • Submit your application: Afterward, thoroughly review your loan offer, accept it, and you'll receive the outcome, typically within 8-10 minutes.
  • Same-day funding: Once approved, we'll transfer your money directly to your bank account within 5 minutes*, even on weekends & holidays too.

What could my loan look like?

GigsCheck offers instant, approved cash advances ($200 – $2,500) for 3-6 months, as well as flexible installment loans for gig workers ($2,500- $5,000) for 6-12 months. Here's an example: if you need money to handle an emergency, a cash advance is best, but if you require a large amount and a longer repayment time, consider installment loans.

Do you carry out credit checks? Does it impact my credit score?

Applying for or getting a loan offer won't affect your credit score. If you are looking for a cash advance for gig workers with no credit check process, remember that most of the finance providers only do a soft pull, which doesn't affect your credit score. Paying debts on time can even positively improve your credit score.

Can I get a gig economy loan with bad credit?

We believe in giving a fair chance of getting credit to everyone, and that's why we don't think a bad credit score is really "bad" and shouldn't hold you back. We offer cash advances and gig worker loans without requiring a thorough review of your past credit history. We provide a bad credit cash loan option for gig economy workers like you.

Are there any fees?

Unlike other cash advance apps for gig workers, GigsCheck typically offers unsecured personal loans with no ongoing monthly fees and no early repayment fees.

Still question? See our FAQ's or Contact Us

GigsCheck is the money plan for Gig Workers, Rideshare or Delivery Drivers, Freelancers, Self-Employed, 1099 Workers, & you.

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