Cash Advance For Instacart Drivers

After the pandemic, almost all financial institutions, like banks and lenders, have become stricter about lending money. They're now more stringent about checking eligibility and affordability criteria while approving new credit. This all made it difficult for people, especially those working in the gig economy, such as rideshare and delivery drivers. Delivery drivers such as Instacart drivers or shoppers' income fluctuate each month, making it hard to get loan or cash advance approval.

Key Problems of Instacart Delivery Drivers & Shoppers 2025

• As per a Glassdoor.com study, on average, Instacart delivery drivers' hourly earnings range between $15 and $16, which might be lower than other professions.
• People usually spend about 7 minutes and 23 seconds on the Instacart app as per 2025 data, but the base pay of Instacart drivers for delivering orders is often low.
• As independent contractors, Instacart drivers and in-store shoppers are responsible for paying employer and employee taxes.
• One in every four online shoppers in the U.S. chooses Instacart, but Instacart riders have to bear all vehicle maintenance costs, reducing their net income.
• Like traditional employment, the gig economy lacks benefits, so Instacart drivers do not receive benefits like health insurance, paid leave, or retirement plans.
• Instacart has about 13.7 million daily active users, but Instacart delivery drivers do not earn significant tips, making it hard for them to count as a stable part of earnings.

Can I get a cash advance if I'm Instacart Driver?

Yes, indeed, it might not be as easy as it seems. Now, lending regulations are tightened, and for gig workers such as Instacart drivers, it is more challenging to get a cash advance. Banks and traditional lenders focus more on stable and regular income before approving a cash advance application.

But, if you're an Instacart delivery driver or in-store shopper, it can be harder for you to prove that you'll be able to make your repayments on time. However, don't worry. With GigsCheck, we still have lenders who offer cash advances for gig workers, including Instacart drivers and shoppers. If you can repay your cash advance outstanding on time, you can qualify for it, even with a bad credit score.

How to get a cash advance when you're Instacart driver or in-store shopper?

Getting a cash advance as an Instacart driver or in-store shopper is seldom easy, but you have to follow the below steps to improve your chances of approval:

• Proof of your steady payments: Every lender requires you to show your steady income. By chance, if your gig income is seasonal or erratic, you'll need to prove to them how you manage your inlays and outlays expenses during slow earning periods. If you convince your lender that you are in a financially profitable position, your chances of getting cash advances increase.
• Choose a lender that accepts gig workers: Do your search work in advance – or use a loan marketplace like GigsCheck that provides a wide range of lenders and credit options. Always choose a lender with a good lending history who offers cash advances for gig workers, including Instacart drivers and shoppers.
• Try to compare offers before applying: Do not apply and accept offers randomly; always compare multiple lenders and their deals before finalising something. Prequalification is also a good option to see what types of funding you can get without undergoing a complex search for your credit report.
• If possible, provide collateral: If you can attach something valuable asset as a collateral against your debt, it will give you faster approval. However, remember that you may lose collateral if you don't keep your repayment promise.

What can Instacart cash advance be used for?

Once your cash advance for Instacart drivers is approved, you can use it for any valid reasons. Some of the common reasons for which Instacart drivers and shoppers applied are:

• Necessary vehicle repairs.
• Bridging gaps until the next paycheck.
• Helping you pay bills while invoices are cleared.
• Paying for an unexpected cost.
• Paying for fuel expenses.
• Purchasing groceries and essential items.
• Managing urgent healthcare expenses.
• Supporting family or dependents during shortfalls.

If you are a delivery driver or in-store shopper for Instacart and have bad credit, you may still qualify for a cash advance through GigsCheck. Once you finish your application, we'll match your requirements with the most suitable lender who is most likely to approve your application. In this way, your chances of securing an Instacart cash advance will be increased.

What are the alternatives to Instacart cash advance?

If you aren't able to qualify or don't want to apply for a cash advance as an Instacart driver or shopper, you may try the following alternative sources:

• Credit card cash advance: With this option, you don't need approvals to get funds. Just use your credit card account and withdraw money anytime and from anywhere. However, your credit card company has a daily cash withdrawal limit, and you could have to pay cash advance fees plus ATM fees to access funds. Remember, credit card cash advance is offered at higher interest rates as compared to standard credit card purchases.
• Use your rainy-day fund: If you have some savings funds, it's the right time to use them. Spending your savings to cover your financial issues is always better and cheaper than borrowing money with interest rates and fees.
• Turn to family or friends: Many independent contractors and other gig workers borrow money directly from family and friends, especially when they need a small amount. However, using funds taken from your loved ones can often be dicey if the borrowing rules are not clear from the beginning. So, ensure the person you are borrowing from knows everything about the repayment plan.

How can I apply for an instant cash advance for Instacart with GigsCheck?

• Complete the easy and simple online application form.
• Choose your credit limit starting from $250 up to $5,000.
• We'll assess your eligibility and provide instant decision.
• Once approved, get your funds directly to your bank account.

Applying for Instacart cash advance with GigsCheck is simple. As long as you fit with following criteria. You must:

• At least 19 years of age.
• US citizen or permanent resident.
• Social Security number.
• Government-issued photo ID.
• Debt-to-income ratio (DTI) of 43% or less.
• Regular source of income: Working as a Instacart delivery driver or in-store shopper.
• Checking account to receive money.