Moves 𑁋 Financial Services For The Independent Worker

Caitlin
Author:
Caitlin
Caitlin Wood, BA
Editor-in-Chief at Loans Canada
Caitlin Wood has more than a decade of experience helping Canadian consumers learn how to take control of their finances. Expertise:
  • Personal finance
  • Consumer borrowing
  • Credit improvement
  • Debt management
📅
Updated On: September 3, 2020
Get a free, no obligation personal loan quote with rates as low as 9.99%
Free quote with no impact to your credit

In the last 10 years, millions of Canadians have started to earn some or all of their income as an independent or “gig” worker. This is in no small part due to the rise of freelancer platforms such as Uber, Doordash, Fiverr, and others which make it easier than ever to work on one’s own terms.

The appeal of independent work is obvious: workers can choose when, where, and how they work. This level of independence can be life-changing for many people. A parent can schedule their workday around their child’s needs, a seasonal worker can earn some extra money for offseason, a student can work whenever their class schedule permits. Even traditional wage earners can take up gig work. 

Gig work generally has a low barrier to entry, making it a convenient option for individuals who have a hard time finding traditional employment or who wish to supplement their other income. According to Statistics Canada, gig work is prevalent among newcomers to Canada. Additionally, 50% of gig workers have at least one other source of wages, although there are many gig workers who offer services on multiple gig platforms.

The freedom of gig work has allowed Canadians to explore unexpected career paths and given people more control over their lives.

These freedoms however come with a cost – not having a stable employer makes it difficult for independent workers to obtain credit and other financial products. All lenders want to see a stable source of income when evaluating applicants, but few will accept paystubs from gig platforms as a reliable source of income – especially not without a high credit score. Without steady hours, a fixed wage or salary, or even a letter of employment, gig workers typically don’t qualify for traditional loans and credit. Many turn to payday loans or other alternative lenders who charge high interest or collateral.

That’s why the new fintech startup Moves has arrived on the scene offering low-interest loans for independent workers. Moves currently serves independent workers who make their earnings from rideshare and food delivery apps in Ontario. 

Unlike other lenders, Moves doesn’t rely on credit scores. Instead of checking and reporting with a credit bureau, Moves evaluates loan applicants based on their income from gig economy platforms. 

With most lenders, your credit score takes a hit every time you apply for a loan, whether you get approved or not. Some alternative lenders forgo credit checks, but there’s usually a catch: payday lenders might charge exorbitant fees and high-interest rates, while other lenders ask for collateral or a guarantor. With Moves, all that is needed to qualify for a reasonable loan is a history of earning income from the gig economy. 

Currently, Moves is offering loans of $500 to Ontario-based rideshare drivers and food couriers who have received income from DoorDash, Foodora, FaceDrive, Hiride, Instacart, Lyft, Skip the Dishes, Uber, or Uber Eats in the last 90 days. Applying is easy, with a short and straightforward application to request a loan. Applicants are approved in as little as 15 minutes with funds arriving within 48 hours. 

Moves is creating a future where more people can pursue the benefits of independent work without having to worry about drawbacks.

To get started with Moves, click on the button below.

Caitlin Wood, BA avatar on Loans Canada
Caitlin Wood, BA

Caitlin Wood is the Editor-in-Chief at Loans Canada and specializes in personal finance. She is a graduate of Dawson College and Concordia University and has been working in the personal finance industry for over ten years. Caitlin has covered various subjects such as debt, credit, and loans. Her work has been published on Zoocasa, GoDaddy, and deBanked. She believes that education and knowledge are the two most important factors in the creation of healthy financial habits. She also believes that openly discussing money and credit, and the responsibilities that come with them can lead to better decisions and a greater sense of financial security.

More From This Author

Special Offers

More From Our Experts

https://loanscanada.ca/wp-content/uploads/2019/12/Cash-Advance.png
What Is A Cash Advance In Canada?

By Lisa Rennie
Updated on October 6, 2025

Whether you're looking for quick cash or need to cover an unexpected expense, a cash advance can help. Read on to find out more.

https://loanscanada.ca/wp-content/uploads/2025/10/line-of-credit-bad-credit-1.png
Can You Get A Line Of Credit If You Have Bad Credit In Canada?

By Lisa Rennie
Updated on October 2, 2025

Can you get a line of credit if you have bad credit in Canada? This blog explains how you can, and the potential perks and drawbacks.

https://loanscanada.ca/wp-content/uploads/2022/07/Cash-Secured-Loan-1.png
Your Guide To Secured Loans In Canada

By Lisa Rennie
Updated on October 2, 2025

If you struggle with self-discipline while building savings & good credit, a cash secured loan may be perfect for you. Learn more here.

https://loanscanada.ca/wp-content/uploads/2025/09/Top-Growing-Companies-2025-Blog-3.png
Loans Canada Places No. 137 on The Globe and Mail’s Seventh Annual Ranking of Canada’s Top Growing Companies

By Priyanka Correia, BComm
Updated on September 26, 2025

Loans Canada is proud to be recognized as one of the Globe and Mail’s Top Growing Companies list for the third time.

https://loanscanada.ca/wp-content/uploads/2025/09/apple-financing.png
Apple Financing Options In Canada: What You Need To Know

By Lisa Rennie
Updated on September 24, 2025

Looking to buy an Apple product but the price tag is a bitt too steep? Consider Apple financing in Canada. Check out this post to learn more.

https://loanscanada.ca/wp-content/uploads/2020/09/What-Is-a-Credit-Reference.png
What Is A Credit Reference In Canada?

By Lisa Rennie
Updated on September 24, 2025

When applying for new credit, your lender may request that you provide a credit reference. Read on to find out more about credit references.

https://loanscanada.ca/wp-content/uploads/2020/07/Personal-Loan-Brokers.png
Personal Loan Brokers In Canada

By Lisa Rennie
Updated on September 24, 2025

Looking for the best lender and loan offer? Instead of finding one on your own, consider using a personal loan broker to help.

https://loanscanada.ca/wp-content/uploads/2018/11/loan-origination-fee-1.png
Loan Origination Fee: What You Need To Know

By Lisa Rennie
Updated on September 17, 2025

Loans come with several costs, including loan origination fees. Read on to find out more about how this fee affects your total loan cost.

Recognized As One Of Canada's Top Growing Companies

Why choose Loans Canada?

Apply Once &
Get Multiple Offers
Save Time
And Money
Get Your Free
Credit Score
Free
Service
Expert Tips
And Advice
Exclusive
Offers