Cash Advance For Delivery Drivers

As of 2025, there were over 1.3 million delivery drivers in the US, but most of them will require extra funding to support their smooth cash flow.

Due to dramatically rise of e-commerce and demand of home deliveries, especially food and grocery sector, there's a significant boom for people looking for jobs as a delivery driver. According to fresh study conducted by independent company Circuit, Google searches for keyword "delivery drivers jobs" impressively increased by 479% over past 2-3 years.

However, existing delivery drivers reported that they are facing financial challenges because of erratic income and no support from banks and other conventional credit companies.

5 BIGGEST Issues Delivery Drivers Face In 2025

• The DoorDash and Uber Eats platforms offer low base pay for every trip, ranging from $2 to $3 only.
• Usually, customer tips are very low, ranging from nothing to $3 max, often insufficient for low-earning delivery drivers.
• Delivery drivers' earnings are low, but fuel costs are high. It costs approximately $30 every three hours to finish allocated tasks.
• Running vehicles for regularly needed frequent maintenance adds extra cost and resultant financial strain.
• Compared to other professions, delivery drivers' hourly earnings are low—about $12 per hour, even if they get tips.

The fight against "UNDERPAYMENT"

Delivery drivers are like waitstaff: underpaid and overworked. Big companies like DoorDash, Instacart and UberEATS claim to offer flexibility but even working late night shifts, delivery drivers don't make as much as they promise. Many delivery drivers make less than minimum wage or worse and may fall below the poverty line.

According to 2025 survey, big companies like DoorDash, Amazon, DHL, Uber Eats and others are not meeting their promises and their delivery drivers are not getting paid enough. 77% of delivery drivers said they need to do a second job to cover the rising cost of living in the US. And they are easy targets for customer frustration.

Why do banks refuse to accept deliver drivers?

Banks and other traditional lenders don't want to offer their services to delivery drivers for many reasons. Delivery drivers are classified as independent contractors which means their income is unstable or irregular compared to salaried employees. This is a red flag for banks and concerns about delivery drivers' creditworthiness.

Also, if delivery driver has a negative activity in their banking history like overdraft or pending bills, banks see them as irresponsible borrower. In summary, factors such as unstable income and employment, no or negative banking history and less contribution from employer side is why banks may decline rideshare and delivery drivers for their services.

Can delivery drivers apply for cash advances?

Yes, if you're working as a rideshare, delivery driver, or even freelancer or gig worker and need to borrow money as soon as possible, you may apply for cash advance loans at GigsCheck. Unlike banks, such apps are designed for gig workers and independent contractors. However, to get an instant cash advance, you'll need to prove your gig income plus the ability to repay it on the agreed time without any difficulty.

GigsHelp works differently than rude banks and predatory payday loans. We only focus on the financial pain points of delivery drivers. Compared to traditional employees, such independent contractors require more money to run their businesses. They must buy a bike or car, bear repair and maintenance costs, or need small funds to survive until their next payment.

Are you facing such problems? If yes, say goodbye now to them. GigsCheck offers instant cash advances for delivery drivers up to $5,000 with approval under 10 mins* only. Having bad credit? Or issues with past credit history? Don't worry, we accept you!

Cash advance requirements for delivery drivers

• Proof of income: Usually, lenders require your few months' past pay stubs or bank statements to check your income and creditworthiness. You can use your delivery app earnings as proof of income.
• 1099 Forms: If your annual income crosses $600, you'll receive a 1099-NEC or 1099-K form at the end of the tax year. Later, you can use it as a valid document to prove your earnings.
• Credit score: If you have a good credit score, your chances of approval are higher. However, GigsCheck has lenders who approve cash advances based on the borrower's income and creditworthiness.
• Monthly expenses: Lenders who offer gig worker loans typically require information about monthly expenses and debt obligations.
• Cash reserves: Lenders might want to see if you have an emergency fund for rainy days due to low or unpredictable income.

Tips to increase approval odds for delivery drivers as a borrower

Here are some proven tips to improve your chances of cash advance loan approval as a rideshare or delivery driver:

• Try to increase your credit score: A better credit score always makes lenders happy and increases your chance of loan approval. Always try to make payments on time, pay down the existing debt ratio, and save money for the future.
• Don't take on a new debt burden: Even if your cash advance loan is approved, use the amount wisely and fulfil the purpose. Please don't use it for leisure, buying a car, or organising parties. Otherwise, your debt will increase further.
• Get a cosigner: If you have someone with good and regular employment and a paycheck, you can add a cosigner to your loan, which increases your chances of approval.