Get a free, no obligation personal loan quote with rates as low as 9.99%
Get Started You can apply with no impact to your credit score

In the last 10 years, millions of Canadians have started to earn some or all of their income as an independent or ā€œgigā€ 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 eight 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/2020/10/Best-chequing-account-in-canada.png
Best Chequing Accounts In Canada 2025

By Daniel Schoester
Updated on December 20, 2025

Discover the best chequing accounts in Canada for 2025: High-interest rates, no fees, digital ease. An essential guide for smart banking choices.

https://loanscanada.ca/wp-content/uploads/2025/04/Transfer-rrsp-to-tfsa.png
How To Transfer An RRSP To A TFSA

By Jun Ho
Updated on April 17, 2025

Learn how to transfer an RRSP to a TFSA and vice versa. Find out how it will impact your contribution room and tax consequences.

https://loanscanada.ca/wp-content/uploads/2019/03/Second-Car-Lien-Title-Loans.png
Second Lien Title Loans

By Bryan Daly
Updated on April 16, 2025

Everything you need to know about liens, vehicle title loans, and whether or not you can apply for a second lien title loan.

https://loanscanada.ca/wp-content/uploads/2017/11/upside-down-car-loan.png
What Is An Upside-Down Car Loan?

By Lisa Rennie
Updated on April 15, 2025

Do you have an upside down car loan? Find out what you should do if you car loan is worth more than your car.

https://loanscanada.ca/wp-content/uploads/2023/05/Car-Value-in-Canada.png
How To Find Your Car’s Value In Canada

By Lisa Rennie
Updated on April 15, 2025

Here are 5 online ways to estimate a car value in Canada. A car is a valuable asset that you can use to borrow money or to sell for profit.

https://loanscanada.ca/wp-content/uploads/2020/11/How-to-Qualify-Car-Loan.png
How To Get A Car Loan Approval In Canada

By Lisa Rennie
Updated on April 14, 2025

Find out what are the minimum requirements to get a car loan approval and how to increase your chances of qualifying.

https://loanscanada.ca/wp-content/uploads/2023/05/Car-history-report-canada.png
Checking Your Car History Report In Canada

By Lisa Rennie
Updated on April 14, 2025

Are you planning on buying a used vehicle? Then you should check your car's history. Find out how to check your car history report in Canada

https://loanscanada.ca/wp-content/uploads/2021/05/Brim-Financial-Credit-Cards-Review.png
Brim Mastercard: A Review

By Lisa Rennie
Updated on April 14, 2025

Are you looking for a new credit card? Check out the Brim Financial Mastercards for flexibility, great rewards and a slew of insurance products.

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