Qoins app logo



At a Glance:

Pay down your debt by rounding up purchases.


  • Bill Pay
  • Link to Bank
  • Link to Credit Card
  • Make Recurring Payments


Use it if: You want to have an easier time paying off your debt and credit card bills. Qoins works by rounding up your purchases and using that money to pay off your debt so you won’t get stuck with increasingly higher interest. You can choose how often payments will be sent and which debt you want to address.

Although the app is free, there are small fees attached to using it, but you also have some options in how you would like to structure those payments.

Try it out: App Store, Play Store

Qoins Technologies, Inc.
Interview with Christian Zimmerman, CEO and founder of Qoins

OppLoans: What benefits does the Qoins app provide your users?

Christian: Qoins is an automated payment solution that helps consumers pay off credit card debt faster through everyday purchases they already make. We focus on getting consumers to begin building a habit of paying off high-interest cards by making additional payments seamlessly.

OppLoans: What features are you most proud of?

Christian: We are most proud of our payment feature that not only saves our users money but also makes the payment automatically on behalf of the customer as well. We find that 65% of consumers only make their minimum payments. We are helping alleviate that problem.

OppLoans: What’s the story behind the creation of Qoins?

Christian: We founded Qoins after graduating college. Initially, we were trying to solve the problem of making payments on our own student loans. From there we found that many consumers had this same problem!

OppLoans: Are there any upcoming features or releases you’d like our readers to be aware of?

Christian: We are super excited to soon be rolling out our newest feature of electronic payments! This is something that has been long overdue but we have been working hard on getting the right partner and right flow for the in-app experience.