EarnIn: Make Every Day Payday
June 11, 2024
More About EarnIn: Make Every Day Payday
Cash advances and payday loans can be misleading and costly. EarnIn simplifies things with easy, no-cost options that tap the money you’ve already earned to get you paid in advance[1]. All with no interest, no credit checks, and no surprises[5].
EarnIn also provides Balance Shield that notify you whenever your bank balance runs low[4]. Skip the cash advances and payday loans. Stay on budget with your money in advance from EarnIn.
Here’s how Cash Out on EarnIn works:
Download the EarnIn app and add your info
Access up to $100/day of your pay & up to $750/pay period
Tip what feels right (optional)
Any money accessed, plus optional fees and tips, is automatically repaid when your next paycheck comes
Download EarnIn for easy, instant access to your money when you want it.
YOUR MONEY AT YOUR SPEED
- Connect your bank account to instantly access your pay in advance
- EarnIn works with Bank of America, Wells Fargo, Chase, Capital One, and more
- Get paid in minutes with Lightning Speed transfers[1]
- Smarter & faster alternative to cash advances
GET UP TO $750 EVERY PAY PERIOD
- Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses
- Better than a cash advance or payday loan – get money from your own pay instantly[3]
FREE CREDIT SCORE TRACKING
- Monitor your credit score[6] for a full picture of your financial health
- Get alerts when your credit file changes & keep track of suspicious or fraudulent activity
- Unlike loan apps, EarnIn provides financial tools to help you monitor your credit score & move toward your goals
BACKED BY 24/7 SUPPORT
Questions or issues? Our Live Chat team is available 24/7, 365 days a year.
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EarnIn is not affiliated with Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay or Credit Karma.
EarnIn is not a payday loan or a personal loan. There's no interest or APR to transfer from your paycheck.
EarnIn does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/privacy
EarnIn
200 Portage Ave
Palo Alto, CA 94306
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Disclaimers:
EarnIn services may not be available in all states.
[1] Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank, see Cash Out User Agreement for details.
[2] Tipping options will vary between tools.
[3] Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit https://www.earnin.com/evolve-bank-and-trust
[4] Balance Shield Cash Outs are subject to your available earnings, Daily Max and Pay Period Max.
[5] Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/tos
[6] Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0. Learn more: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf
Latest Version
15.21
June 11, 2024
Activehours Inc.
Finance
Android
8,856,576
Free
com.activehours
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User Reviews
Jenni Basil
1 year ago
I recommend this app to my friends all the time. There's no catch you really just borrow money from your next paycheck and pay it back on payday. There's only extra fees if you need lightning fast transfer ($3.99) or you leave a tip (which they encourage). This has saved me so many times as someone who lives paycheck to paycheck. I only take off one star because I have to reconnect my bank EVERY time I open the app, but that might be a problem from my bank? But other than that great app.
Christiana Barbito
1 year ago
I have used this app for several years now. I have NEVER had any issues w/ it. EVER. If there was an issue the chat feature was my best friend& there's a real person who helps u look into it. I have appreciated EarnIn during these harder times&couldn't have gotten by w/o them! They do have fees to get a cash advance. But depending on your pay u can get up to $700 or more. U can only get $100 per day w/ a minimum fee of $3.99. Tip is requested but not required. No monthly subscription fee!
rm j
1 year ago
I don't know when they started to charge fees for transfers now, but then also asking for "tips" is ridiculous. I always tipped $5 or more, but now, since there are fees I refuse to tip. Aside from the fees this app works very well. I wish I had access to my full amount of funds, but with what it does release out to you has helped many times in the past.
elp 619 (eLp619)
1 year ago
I'm writing this review because I was very wary about signing up for an app that would either have too little to transfer out, have hidden charges, or take longer than they say to deposit. I am definitely a real person, not a bot or a paid sponsor. This app is legit, and has saved me many times. Using it quickly raises your maximum possible withdrawal. The fees are straightforward and cheap. 3.99 for an instant transfer which does come through instantly, and free for 1 to 2 business days.
Rachel Bulisky
1 year ago
Legit company. Must have direct deposit. No customer service number, only chat option which is very difficult to understand. Bank balance does not auto update frequently enough and transactions will be denied until they do if a negative balance is shown on the app. Custom tip option is nice for this free service because there is no minimum or tip required. I like it!
TIm Davis
1 year ago
Awesome! This app does what it say it will do. Very fast transfer and request process took less than 3 minutes. Lowest fees to transfer as well. $4.99 per $100 which included a $1 tip. I highly recommend this app. Unlike Brigit and Klover who say they are instant but they get stuck on debit card verification that can take upto 3 days. So far only this app and Dave have actually deposited instantly.
John Gesualdo
1 year ago
Excellent app. Use it almost every month. I get paid biweekly and all my bills come out of one check. This app lets me stay afloat during those weeks. There really are no hidden fees or anything, just what you want to tip (which you're not forced to do). Can't rate this app high enough. It's a life saver!
GrubieDon'tPlay
11 months ago
This is a great app to help save you in a pinch. However there are issues with the Plaid connection to my bank account. I am constantly being asked to reconnect it. Unfortunately due to the connection issues this app isn't working as intended. I'm not sure if the issue is on my bank's end (Bmo Bank) +, earnin, or plaid. Hopefully they fix that issue because then I'd give it 5*
Robert
1 year ago
This app has been helping me under hard times. I've never been under a hard times like I am currently. It hasn't really given me but 200 in 2 weeks. Not sure what's going on with that but hopefully the amounts increases. I am living off of credit cards and my paycheck. Before my paycheck hits I have to pay my credit cards to continue living and put my bank accounts a bit in negative. This has helped that part. I am able to float money back to where it needs to go while I do what I needed! Thx!
Jenny Siggins
1 year ago
I have had to use this in a pinch and it is always smooth sailing. You have to have direct deposit so as long as it's visible in your connected bank account you are a go. If you happen to have switched jobs recently you can do a chat and have them manually assist with setting up your new pay schedule to avoid the verification wait time. They are very easy to work with so I'd use this app anytime you need a quick few extra bucks in between pay periods.
Amanda Davis
1 year ago
Absolutely horrendous. Ive used this app for months with Chime and it's been great! Until today. I tried to add a new second bank account to be able to pay everything off faster and the app decides to delete my Chime account and put the new one on. Try to fix it and they don't accept Chime? WHAT? I contact customer service. They've done nothing. I've lost the last bit of money I had with no resolution. Thanks. Will tell EVERYONE not to use this garbage. NEVER AGAIN.
Jesse Menzel
10 months ago
I was having issues with the app and my bank connecting through "Plaid" and I went to the chat and asked for a live person and got one within just minutes!They were so so helpful and ended up spending the time to talk me through going into my actual phones settings and clearing the data out and whatnot. They answered all my questions thoroughly and politely.The only thing that I don't care for is the app decides the max amount, based upon a formula?It can go up and down basically for no reason🤔
Sara S
1 year ago
Very reliable app and service. I've tried several apps for pay advances and EarnIn is by far the most consistent. The only negative: I wish they'd let me know what steps to take to increase my max amount per pay period. For months my amount was the same then dropped. It's gone up a little since but would be a huge help if I could go back up to that original amount. Would recommend to anyone that goes to the same location every time for work so app can track correctly
Corren love
1 year ago
Update: 4 year user now and Earnin has NEVER failed me which is honestly crazy. Earnin is a dependable app and that is really important to me. If you need a payday advance app there just is not a better one to download... Original review: Fantastic, I've been using Earnin for 2 years and have never had any major issues. Their customer service is absolutely fantastic and lightning speed means lightning speed, it's fast, easy, and definitely helps in a pinch.
Lauren Sanders
1 year ago
I've been using EarnIn for multiple years now, and it has saved my butt over and over. While you can only transfer out a max of $100 each day, there are no hidden fees. Yes, an instant transfer is $3.99, but a standard transfer is free with the OPTION to tip. Sometimes I'm able to tip, sometimes I can't, and it's nice that the company doesn't force it on you. I've never had any software issues with this app. Signing up may seem tedious, but once you're set, you're good.
Jessie C
1 year ago
I used this app years ago and it was always good but now, it is horrible. I've always, without fail repaid my advances. Always. I never had an issue. It was when I lowered my tip amount is when the issues started happening. The information concerning your account is outdated. I've contacted customer service several times (which is just an automated message.) Also, I went from an amount of $700 down to $50 with absolutely no change in pay or anything with my bank. Horrible. Use Money Lion!!!
A.J. Rosingana
11 months ago
No fees for advances. Defaults at a pretty decent tip value (though insignificant compared to costs from Brick & Mortar lenders.) This number can be turned down to a few bucks, or even zero. Instant payout usually costs 4.99 or something, but it is dashed out and says free for me twice now. (Maybe a new user promo for your first few uses?) Would definitely recommend thus far.
Stephanie Mendoza
10 months ago
I have used earning now for 6 maybe 7 years. In the beginning it was great and I tipped high on every transaction. However they changed once they kept asking me for my direct deposit. I had a high pull but when I declined it went back to 50. I thought ok maybe with more consistent use it would go back but nope. So not only do they want to charge you 3.99 for instant deposit but if you don't tip they take away your lightning speed. I will not tip as high as I used to just to stay at 50.
Lucas Lindsey
10 months ago
Earnin was great the first few times. I never had the chance to look into the other options and features because I changed career to something where I was a 1099 contractor. They would not verify a check deposit even on the same day ever two weeks. Because it wasn't a direct deposit. Seems a bit strange we can verify a digital deposit but not another digital deposit of a physical check. That has photos,watermark verification etc. Leaving out a whole market of possible customers isn't smart...
Jessica Gibson
10 months ago
Have used a few times now with no issues. Very easy with no hidden fees and only $3.99 to get the money in minutes. They do ask for a tip which is optional, but I personally don't mind doing so considering they need to be able to cover the costs associated with keeping the app functioning somehow and don't do so by charging a monthly membership or other hidden fees. I appreciate having the app handy for when I'm in a pinch. 🙂
