When John Miller signed up for Instacart, he had no idea how lucrative the work would be.
“An Instacart shopper can earn up to $1,500 a week,” he said. “And you can set your own schedule.”
If you’re looking for a well-paying side gig, delivering groceries as an Instacart worker can be a great option. The work is easy, and the pay can be excellent.
Instacart is the perfect solution for those looking to earn extra cash outside of their full-time jobs. If you’re interested in signing up, this Instacart review has everything you need to know about the job.
What is Instacart?
Instacart is an on-demand grocery delivery service. Users place orders for food and household essentials, and an Instacart shopper handpicks the items before delivering them to the customer’s door.
For busy individuals who are short on time, using a grocery delivery service can help them get healthy, nutritious foods or snacks without spending hours at the store. It’s also a convenient option for those with disabilities, limited mobility, or who don’t own a car.
The service is available in 34 states and hundreds of metro areas and neighborhoods. As demand grows and the company continues to succeed, the company plans to expand to all 50 states.
What the Instacart shopper experience is like
Though wages vary, Instacart shoppers can make as much as $20 an hour and choose how many hours they want to work each week. For Miller, who’s based out of Illinois, that means he can work longer shifts just a few days a week and still make a good income.
If you’re a driver or shopper with Instacart, there’s no limit to the number of hours you can work each week. (Though other roles impose a 29-hour workweek limit.)
If you worked just 15 hours a week, taking orders on nights and weekends when you aren’t at your full-time job, you could make up to $300 a week. That extra $1,200 a month can go a long way in helping boost your savings fund or pay down debt faster.
If you decided to make this gig a full-time job, you could earn much more. You could make $800 a week if you worked a typical 40-hour workweek, giving you have an annual income of $38,400. If you needed extra money to cover an unexpected expense, you could work a few extra hours to increase your income even more.
Instacart shoppers can receive in-app or cash tips. And unlike Shipt, one of Instacart’s leading competitors, the company offers a wage guarantee.
“The tipping option goes hand-in-hand with how an Instacart shopper gets paid,” said Miller. “And Instacart offers an hourly guarantee. This guarantee means that if a shopper is available for their selected hours, there is a minimum amount that the worker will receive. This is especially lucrative on the slow days.”
How to accept Instacart jobs and get paid
Unlike Shipt, where shoppers can accept orders hours or even days ahead of schedule, Instacart workers have a much shorter window. Instacart workers can choose their desired shifts, but they won’t receive orders until their shift starts. There can sometimes be fierce competition for orders.
“One begins this job by going on the Instacart shopper app and check-marking every available hour one wants to work throughout the entire work week,” explained Miller. “A new or part-time shopper has access to future jobs starting at 9 a.m. on Wednesdays. You better hurry, because those orders are often grabbed within five minutes.”
As a long-time shopper who picks up plenty of hours, Miller is part of a group who has early access to orders, which gives them an earnings advantage.
“When you work enough hours, you get ‘early access,’” he says. “This means the shopper can grab hours earlier in the week. Early access shoppers get access at 9 a.m. on Sundays.”
Once you have claimed your time slots, walk or drive to the delivery zone when your shift starts.
“If I’m on a shift with Instacart, I often park in a centralized lot because I live about 1,000 feet from the delivery zone,” said Miller. “Once a shopper accepts an order with Instacart, they have 30 minutes to start shopping. Because I shop at the same store almost exclusively, I know where most items are and am quite speedy with picking up the order.”
That speed really helps improve Miller’s earnings.
“Shoppers should stay in a zone with the most business and where they know the store,” he said. “It’s all about speed. The faster you complete an order, the faster you can move on to the next.”
Instacart shoppers are issued a special credit card to pay for groceries at the store, and their earnings are based on a commission of the total order cost. The more orders you complete, the more you get paid.
Shoppers are paid weekly via direct deposit.
How to become an Instacart shopper
Most Instacart shoppers are independent contractors. To qualify for a role, you must be 21 or older (18 or older in Boston) and be able to lift at least 30 pounds. You must be eligible for employment within the U.S. and have a recent smartphone.
There are four positions you can choose from: shopper, cashier, driver, and driver-shopper.
If you are a base shopper or cashier, you do not need a vehicle. However, you can only work a maximum of 29 hours a week, and the positions pay less than the other roles. Drivers or driver-shoppers can work an unlimited number of hours.
Miller says the process to apply for Instacart jobs is quick and straightforward.
“The application process was simple and expedient,” he says. “[I went through a] background check, tutorial, and a quick meet-and-greet to get the shopper’s lanyard and T-shirt. I was hired and working within a week.”
To get started, visit the Instacart “Become a Shopper” page. The application process takes about five minutes to complete.
The site will ask you to enter your information, including your zip code and cellphone number. From there, you will be prompted to confirm that you meet the eligibility requirements. Then, it will ask you if you have access to a vehicle and have more than two years of driving experience.
Once your application is approved, you are asked to schedule an in-person meeting with a company representative at a local grocery store. You’ll learn how Instacart works and how to use the app to select orders. After your in-person session, Instacart will perform a background check.
Next steps for your side gig
The biggest perk of Instacart is the ability to control how much you work and what you earn; you can log in and select hours that fit your schedule when you need the cash.
In most cases, you can begin shopping and earning money within one week. This Instacart review can help you navigate the application process so that you can get started quickly.
If you want to become an Instacart shopper, check out the Instacart site.
Interested in refinancing student loans?Here are the top 8 lenders of 2020!
|Lender||Variable APR||Eligible Degrees|
|Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.20% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 6.89% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 12/13/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on our student loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for SoFi.
3 Important Disclosures for Figure.
Figure’s Student Refinance Loan is a private loan. If you refinance federal loans, you forfeit certain flexible repayment options associated with those loans. If you expect to incur financial hardship that would impact your ability to repay, you should consider federal consolidation alternatives.
4 Important Disclosures for College Ave.
College Ave Disclosures
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
1College Ave Refi Education loans are not currently available to residents of Maine.
2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.
4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
Information advertised valid as of 1/1/2020. Variable interest rates may increase after consummation.
5 Important Disclosures for Laurel Road.
Laurel Road Disclosures
Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
ANNUAL PERCENTAGE RATE (“APR”)
There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.
For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
ELIGIBILITY & ELIGIBLE LOANS
Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).
Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.
All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.
For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.
The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.
The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.
POSTPONING OR REDUCING PAYMENTS
After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship.
We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.
We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower’s graduation with an eligible degree), if the borrower is an eligible student in the borrower’s final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.
If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.
KEYBANK NATIONAL ASSOCIATION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.
This information is current as of November 8, 2019 and is subject to change.
6 Important Disclosures for Splash Financial.
Splash Financial Disclosures
Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.
7 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.76% effective November 10, 2019.
8 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of 5 years and is reserved for applicants with FICO scores of at least 810.
As of 12/019/2019 student loan refinancing rates range from 1.90% to 8.59% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.
|1.99% – 6.89%1||Undergrad & Graduate|
|2.31% – 7.36%2||Undergrad & Graduate|
|2.06% – 6.81%3||Undergrad & Graduate|
|2.62% – 6.12%4||Undergrad & Graduate|
|1.99% – 6.65%5||Undergrad & Graduate|
|1.99% – 7.06%6||Undergrad & Graduate|
|1.85% – 6.13%7||Undergrad & Graduate|
|1.90% – 8.59%8||Undergrad & Graduate|