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The best way to become debt free, faster than ever! Qoins is the first financial app that makes extra monthly payments towards your debt for you! Select from round ups, smart-savings and more! Pay off credit cards, student loans, auto loans, or mortgages using only your spare change.

Many people that use our app contribute an average of an additional $60/month towards their loans, and are on track to get out of debt a minimum of TWO YEARS EARLY and save THOUSANDS OF DOLLARS ON INTEREST!

Join thousands of people who have already paid off over $4 MILLION DOLLARS worth of debt!

Using Qoins is easy! Download the app, connect your accounts and tell us who to pay, and let us take care of the rest! We'll send out payments according to the schedule that you've set up. Track how much you've paid out towards your loans and see how much of a dent you've put in your debt.

Qoins uses industry-leading bank encryption to connect with your accounts. You can rest assured that your information is safe, and that we never store your banking information. In addition, all money sent to Qoins is protected by a money-back guarantee if your lender does not accept a payment sent by us.

Great news! Your first monthly payment with Qoins is always free! We want to give you a chance to try out our service first and see if you like it. Our pricing is simple. We deduct a small service fee of $1.99/monthly payment from your spare change saved at the end of the month. For example, if you save up $80 with Qoins throughout the month, we'll send out a payment for $78.01. That's less than the cost of a cup of coffee!

Frequently Asked Questions:
Q: How long does it take for payments to be applied to my loan account?
A: Payments can take up to 7-10 business days to arrive and be processed by your loan provider. If a payment doesn't get processed in this time frame, we can refund it back to you.

Q: How many payments can I send out per month?
A: There's no limit! Link as many payments as you like, and use any combination of our options to contribute towards your debt faster.

Q: What do I need to use Qoins?
A: All you need to use Qoins is a checking account from a U.S. bank or credit union! You also need to be 18 years of age or older.

For more information, please visit https://qoins.io.

What’s New

Version 3.2.8

Bug fixes and improvements

Ratings and Reviews

4.8 out of 5
1.6K Ratings

1.6K Ratings

Romanrayns ,

Qoins is undoubtedly a must have app!

Let me first give a shout out to the 1 guy that returned my call, kudos to you sir! (I won’t say his name due to privacy) but I’m sure he’ll see this! Yes...I was skeptical about this app at first after reading some reviews just like others have written here. However I decided to see for myself once again, based on others reviews on here. And I’m glad I chose to give it a shoot! Not once have I experienced anything wrong or bad on here, nothing but true reliability from Qoins, however I ran into an issue with my CC company (only on my end) and I ask that my funds be returned to my account, but accidentally pressed the wrong button for my return, and it wasn’t coming back to me. Boy was I upset, but I emailed Qoins and awaited to here back from them but also noticed a phone number to reach them by phone, and boy was I ever grateful that I made the choice of calling. That’s when customer service (Specialist) “Wink” returned my call and handled my question with respect and courtesy and help resolved my issue. I’m 101% satisfied and appreciative of him, and I would also recommend this (Qoins) to anyone who skeptical as I was to try it and see for yourself how pleasant this company and customer support truly are! Thanks again and Happy New Year Qoins!

Developer Response ,

Thank you so much for the kind words! We really do our best to provide great customer service and we're glad we could help show you that Qoins is awesome 😁

Carpals sap ,

Broken again

Would have given 5 stars a few months ago.... then my bank account unlinked randomly a couple times and support to help fix the issue... now however I can’t even login on the app. I get get a pulsating “Q” for 5 minutes only or that followed by setting up a mobile pin (which I had and used for months to login) only to sit at the confirm pin screen and never progress past...can’t see my account, can’t change the debt account, couldn’t stop the charges if I wanted too. Please reach out and fix the issue which seems to be your broken app. I don’t understand updating the app when no one complained about it to begin with. Your already getting commission of the payments, don’t be like every other app and lose customers by trying to incorporate to much crap into a simple app.

Developer Response ,

Hey there! We're very sorry for this inconvenience. Our support team should have updated you about the situation but please reach out to us again with any other questions or concerns. Thank you! You can reach us at support@qoins.io

ShayR17 ,

Love it!.

Alright, so I don’t write reviews, ever. So, for me to be doing this is huge. But I think everyone should have this app if they have credit cards or a loan or something along those lines. This app takes a certain “level” of money from your bank account every day and puts it into a special account which is then used to submit a payment once a month to what you have it applied for. You can also “round up” your purchases to the next dollar amount and have that small amount of change set aside and have the same thing done. This shouldn’t be the only source of payment toward your debts but it’s a great secondary payment to help you pay everything off just a little bit faster.

Developer Response ,

We appreciate you taking the time to write us a (fantastic) review... we really must be special 😍


Qoins Technologies, Inc.
31.9 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


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