Amazon Flex is basically a delivery program that lets people deliver Amazon packages to customers using their own vehicles. Similar to any other delivery-side hustle, this allows drivers to work on their own hours and get paid for every successful delivery.
Did you know? There approx. 2.9 million active Amazon Flex drivers in the U.S., and Amazon Flex plays an important role alongside DoorDash and Instacart in the U.S. gig economy, whose market value is predicted to exceed $1 trillion in 2025-26.
Most gig workers join gig apps like Flex, Uber, and Instacart for flexible work and choose to earn money as independent contractors. However, earnings for Amazon Flex or other delivery drivers are as varied as the job itself.
Earnings and work are not stable figures – It’s totally based on the number of hours you work, how many deliveries you make, and the location you work in. Usually, Flex drivers earn between $18 and $25 per hour. Remember, you have to balance between other factors on your own, like vehicle repair, fuel costs, and other expenses.
Being a ride-hailing or delivery driver indeed offers you work flexibility, but in practice, it is not as easy as it seems. Gig workers are facing a cash flow shortage despite working hard. Inconsistent income, low seasons, and payment delays make it hard for Amazon Flex and other delivery drivers to cover their important bills and unexpected emergencies.
GigsMoney stands with you and shows the top 10 best cash advance apps for Amazon Flex drivers. These cash advance apps offer a unique opportunity to access extra cash on your own terms while enjoying the flexibility of your Amazon Flex work.
10 Cash Advance Apps for Amazon Flex drivers
EarnIn
EarnIn is a superb cash advance app that offers you access to the earned wages based on your work hours and income. Repayment is typically scheduled to be made automatically on your next payday. However, you can reschedule your repayment date once every 60 days. It allows qualified users to access up to $1000 using the “Cash Out” feature, which delivers funds for free with standard transfers taking 1-2 business days, or an instant transfer that takes a few minutes but requires a small fee.
- Advances up to $1000
- Only charges for fast transfers
- No monthly subscription required
Cons
- Requires earnings of at least $320 per pay period
- Requires direct deposit
- Must have work email or fixed job location
Fundo
Fundo offers instant, flexible cash advances of up to $10,000 to freelancers, gig workers, independent contractors, and other small businesses. The good thing is that it doesn’t require a personal guarantee, and funding is possible on the same day of approval. Plus, Fundo offers discounts for early repayments and comes with very relaxed eligibility criteria. However, customers complain about its high rates and processing fees.
- Same-day funding possible
- Discounts for early repayment
- Cash advances up to $10,000
- Factor rates as high as 3.5
- Doesn’t disclose rates or fees on its website
- Mixed customer reviews
Brigit
Brigit is a financial app that lets you borrow a cash advance of $25 to $250 with no interest. It is a budgeting app that offers many other useful tools helpful to strengthen your cash flow and management. Repayment is flexible and commonly tied to your cash flow or next deposit. To access the full features of the Brigit app, you need to pay $8.99 to $15.99 monthly subscription. You can still request a cash advance without a paid subscription, but you will have to email customer service every time instead of using the Brigit app.
- No interest or late fees
- Can request advance through customer service for free
- Due date extensions available
- Monthly fee for full app experience
- Customer support only through email
- Paid subscription to access full app
Varo Cash Advance
Varo offers cash advances powered by Varo Bank, providing eligible users with advances of up to $500 with no interest or late fees. It is free to use, and you don’t need a monthly subscription. Like other apps, you get up to 30 days to pay back, and all transfers are instant to your Varo account. Typically, you need to pay small fees for advances, which vary depending on how much you borrow.
- Has many other banking tools
- Flexible repayment terms
- No monthly subscription
- Transfer fees up to $40
- All advances trigger a fee
- Requires direct deposit
Possible Finance
Borrowers with less-than-perfect credit might find Possible Finance helpful. Its convenient app allows you to take out a short-term loan right from your smartphone. But it’s not cheap, and only residents of 21 states can apply. Every loan has the same two-month term: You’ll make four payments over eight weeks until your loan is paid off. And once it is, Possible Finance will report your repayments to two of the three major credit bureaus, helping you build your credit if you pay on time.
- Repayments aligned with your pay day
- Can build your credit
- No credit check
- Must have a checking account
- Limited availability
- App may have technical problems
MoneyLion Instacash
MoneyLion mainly focused to those individuals who want instant cash of up to $500 per pay period. However, you can increase the limit by up to $1000 by opening a RoarMoney account or by joining its Credit Builder Plus program by paying a hefty cost of paid subscription $19.99 per month. Customer rating of MoneyLion is positive on platforms like Trustpilot. But still, hundreds of customers complaints have been filed against MoneyLion on the Better Business Bureau (BBB) site.
- No application after membership
- No cost
- No credit check required
- $19.99 monthly membership fee
- All of your funds aren’t immediately available
- High maximum APR of 29.99%
Dave
Dave launches its feature “ExtraCash” for those running low on funds who need immediate access to cash. It doesn’t charge interest or late fees, making Dave cash advances a reasonable option. Fund transfers to your Dave account are free, but you have to pay an optional 1.5% express fee for instant transfers to an external account. Otherwise, if you can wait, it can take 2-3 days to receive your free deposit.
- Has a high-yield savings account
- Doesn’t require direct deposit
- Free instant transfers to Dave Checking
- No joint accounts
- Charges fast transfer fees
- Requires a monthly subscription
Albert
Albert offers instant cash advances ranging up to $1,000 to almost all gig workers, including Amazon Flex drivers. Usually, repayments are scheduled around your next paycheck. The good thing is that the Albert app offers the option to extend repayment if you request it, providing breathing room during a financial tight spot. The app also comes with budgeting and other financial tools for paid subscription users.
- Gives you 10 days to repay the overdraft
- No credit check required
- Saves you from overdraft fees
- Need paid membership to access most perks
- Mixed customer reviews
- No customer service phone number
GigsCheck
GigsCheck is a popular, trending cash advance app designed for gig workers, 1099 workers, independent contractors, and rideshare or delivery drivers, such as Amazon Flex drivers. Generally, it offers an instant cash advance of up to $5,000 with repayment on your next deposit. Approval and funding are available in minutes and are free. It is good for those who need short-term financing and can repay the advance on their next payday.
- Accepts gig workers and other self-employed individuals
- No minimum credit score required
- No credit check
- Not transparent about rates
- Mixed customer reviews
- Rates are on higher side
DriverBoost
DriverBoost cash advance specially introduced for the rideshare and deliver drivers working for Uber, DoorDash, Instacart, Amazon Flex, and many other. DriverBoost app is appreciated for its dedication and new move for the gig economy workers. From approval to funding is fast, but it charges APRs on higher side. It doesn’t have a customer service phone number listed on its website, which means you’ll have to reach out via email with any questions.
- Funding as soon as the same day
- No origination fees
- Below-average credit accepted
- Income requirements not disclosed
- No customer service phone number
- No large amount
Sally is the Growth Marketer at GigsMoney. With years of experience as an independent contractor, she understands both the fulfillment and challenges that come with the gig economy. Now, she is enthusiastic to help build a collective voice to put gig workers at the forefront and drive meaningful change.