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The best way to become debt free, faster than ever! Qoins is the first app of its kind, allowing you to round up your purchases to the next dollar and automatically pay off your debt. Imagine paying off student loans, mortgages, or credit cards, 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 $3 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.

Our pricing is simple. We deduct a small service fee of $1.99 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 there's ever an issue, we can cancel the sent payment and send the money back to you.

Q: How many payments can I send out per month?
A: Currently, you can have up to 3 active payments to loans of your choice.

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 2.1.6

What's up, Qoins superstars? We've got a couple of cool new features for you:

-For added security, you'll now be required to set up a PIN code to access the app after a period of inactivity. We want to keep your information as secure as possible!
-Having trouble connecting to your bank to round up your purchases? Try our new "automated withdrawals" option! Our smart-savings algorithm will contribute an amount towards your debt each day, depending on how aggressively you'd like to pay it down. It's a new way to pay down your debt even faster, without even trying!

That's it for now! Stay tuned for even more amazing features!

Ratings and Reviews

4.5 out of 5
62 Ratings
62 Ratings

It has a few glitches

I have used this app for a little over a month. I really liked at first then all of sudden money I had in there magically disappeared . I emailed customer service and they resolved my issue quickly and gave my money back that was lost. Then today it happens again so I instead of calling once again for the same thing ima chunk the money that was lost and send the difference back to my account. I think the app is good but doesn’t work well with multiple cards on the account . I will continue to monitor my account to see if the glitch happens again with only one card on the account.

Developer Response

If you're seeing any issues, please reach out to us at support@qoins.io or give us a call (770) 765-2930 and we would be happy to solve this for you and keep it from happening again. Thank you! -The Qoins Team

Krystle Qoin happy!

First payment posted!

At first I was skeptical about using this app but my first payment posted. It took 10 days to post but it said the payment would be sent out on the 4th of every month and will be delivered by the 18th. Well I just seen it posted 78 dollars to my bill. Enough to pay the full month payment for it. I can see myself keep using it until my payments are done. No problems at all so far and I have been using it for a little over a month!

Developer Response

We would love to see you keep using it 🤩 your happiness is ours!


Every penny adds up!

This allows me to take spare change I’m not evening thinking about using and putting it to use paying off my student loan debt (which is a lot!) without any extra effort or thinking. As a full time worker & full time student still, the last thing I want to do is think about anything else - especially if I don’t have to. I leave it & check it every few weeks & I’m always amazed by home much has been saved in just a short amount of time!

Developer Response

Woohoo! You're killing it, and thanks for the kind review :)


Qoins Technologies, Inc.
29.6 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2017 Qoins Technologies, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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