Get a free, no obligation personal loan quote with rates as low as 9.99%
Free quote with no impact to your credit

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
šŸ“…
Updated On: September 3, 2020

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 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/2025/07/No-credit-check-car-loans.png
Can You Get A Car Loan With No Credit Check?

By Priyanka Correia, BComm
Updated on July 4, 2025

Thinking about buying a car but worried about bad credit or having no credit? You may be able to get a car loan with no credit check, but it may be ex...

https://loanscanada.ca/wp-content/uploads/2025/07/Do-payday-loan-affect-credit.png
Do Payday Loans Affect Your Credit In Canada?

By Caitlin Wood, BA
Updated on July 3, 2025

Whether or not you plan on getting a payday loan, it's important to understand how it can impact not just your finances but your credit.

https://loanscanada.ca/wp-content/uploads/2017/08/Long-term-loans-Canada.png
How To Get A Long-Term Loan In Canada

By Caitlin Wood, BA
Updated on July 3, 2025

Long term loans are loans with a payment plan of at least five years. Mortgages and even certain personal loans are considered long term.

https://loanscanada.ca/wp-content/uploads/2023/12/High-interest-loan-debt.png
High-Interest Debt: Tips On How To Get Out Of Debt In Canada

By Lisa Rennie
Updated on July 3, 2025

Struggling to keep up with your debt load? We have all the tips and tricks you need to know how to get out of debt in Canada.

https://loanscanada.ca/wp-content/uploads/2023/12/loan-payment.png
What Happens When I Can’t Make My Loan Payments?

By Caitlin Wood, BA
Updated on July 3, 2025

Are you missing loan payments? What happens If you can't pay your loan? Finf out what happens and what you can do.

https://loanscanada.ca/wp-content/uploads/2015/08/loans-for-low-income.png
Personal Loans For Low Income Earners

By Bryan Daly
Updated on July 2, 2025

Loans for low income. What are they and how do consumers with low income find the best options for their needs? We have the answers.

https://loanscanada.ca/wp-content/uploads/2018/01/computer-financing-canada-1.png
Best Ways To Finance A Laptop In Canada

By Sandra MacGregor
Updated on July 1, 2025

In the market for a computer? We've got all the tips and tricks you need to find the best computer financing in Canada!

https://loanscanada.ca/wp-content/uploads/2025/06/Pay-Personal-Loan-Early.png
Paying Off A Personal Installment Loan Early: Pros And Cons

By Priyanka Correia, BComm
Updated on June 26, 2025

Can you pay off a personal loan early in Canada? Find out if paying off a personal loan early is worth it for you.

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