The Qoins Mission

"We believe every person should achieve their financial goals.
That's why our goal is to help eliminate consumer debt."

To do this we want to create the best personal finance platform for underrepresented communities, that helps both educate and provide tools which empower people not only to pay off debt but also achieve long term goals. By doing so, we create more opportunities and a better future.

Written by our founders


CEO, Co-founder

Washington Jr.

CTO, Co-founder

Written by our Founders

Our story started when both of us had hit rock bottom financially too. One of us struggling with serious student loans, the other homeless and in debt -- without a way out.

We knew millions of other people were struggling the same us. Across the financial industry, we found that there were so many apps focused on building wealth, but we saw virtually no solutions in the industry that helped tackle debt and build healthy financial habits.


“Why is the industry so focused on building wealth, and not on helping people get out of debt?”



Credit card interest costs Americans
$1,300 every year on average


The lack of financial literacy cost
Americans $415 billion in 2020.


Around 40% of Americans have
less than $300 in savings.

Looking back on all the mistakes we made with our money, we wanted to make sure others didn’t fall into the same cycle of debt without a strategy to climb out.

So, we built Qoins to give people like us a starting point for building healthier habits with money.





The Team

ceo & co-founder

Christian Zimmerman

cTO & co-founder

Nate Washington Jr.

Head of growth
Andrew Kozlovski
customer success mgr
Armin Zmajevac
Marketing manager
Dino Decespedes
director of operations
Josiah Mihok
back-end developer
Clovis Simo
compliance consultant
Joyce Mehlman
Customer success rep
Jared Almanza
Product manager lead
Esha Jhamb

Trusted and backed by





Debt Basics

Debt has been made a complex and hard-to-understand topic because doing so allows lenders to simply make more off of those who hold their debt. Qoins is here to change that. Here’s a simplified everything you need to know section about debt, different types of debt, and more importantly how to get out of it.

Check out Debt Basics

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Savings Basics

Saving your hard-earned money can seem difficult at times, but with a few minor adjustments, you can quickly find funds to build robust savings for various goals. Some things to save for are major life events like weddings, purchasing a home, or building an emergency fund. Click here to read more about the best ways to save, and what to save for.

Check out Savings Basics

Financial Literacy

A lack of financial literacy is a very costly mistake and in most cases a topic that is left up to us to educate ourselves on. Here at Qoins, we know the importance of financial education and we’re working tirelessly to both provide you with the education and tools you need to be financially successful. Want a quick and easy learning path on all of the financial topics our lives revolve around? Click here to begin learning today.

Check out Financial Literacy

Using Qoins

Our mission at Qoins is twofold, to supply you with the tools and education you need to achieve your financial goals in fractions of the time it would take to achieve alone. In this blog section, we want to focus on how you can make the most of all of the tools Qoins has to offer.

Check out Using Qoins

Over $20,000,000 of debt paid off, and counting

Join other Qoins customers who are paying off millions of dollars of debt.

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