EarnIn: Why Wait for Payday?

Activehours Inc.

About this app

EarnIn empowers you to take control of your personal finances with our original same-day payday app(1), featuring our cash advance service, overdraft help, and credit score monitoring.

Your Daily Cash Advance, Up to $150 a Day (2)
Use Cash Out to access up to $150/day from your earnings ($750 per pay period). Get your money in your bank account in minutes for a small fee, or enjoy our no-cost option in 1-3 business days. Gain control of your payday and access the money you've earned as you work with EarnIn.

Your Money, Without the Fees
Enjoy the freedom of access with no interest, no credit check, and no mandatory fees(3). We provide a smarter path to your money than traditional payday loans or cash advances(1). Tipping is always optional and helps support our community.

Access What You've Earned
Control your cash flow by getting paid as you work. Use the money you've already earned to pay your bills ahead of schedule and maintain your monthly budget. It's a smarter choice than taking out a payday loan, using a cash advance, or needing to borrow money.

Receive Your Paycheck Early
Unlock your payday up to 2 days early with Early Pay, giving you the freedom to choose. An expedited transfer for immediate access is just $2.99(4).

Manage Your Balance with Confidence
Enjoy peace of mind with Balance Shield. Our helpful alerts and smart transfers from your own pay help safeguard your bank balance and prevent overdraft fees(5).

Know Your Credit Score for free
Stay informed about your financial health; your VantageScore 3.0® from Experian® is available for free with a single tap(6).

Build Your Savings with Confidence
With Tip Yourself, you can pay yourself first by automatically transferring money from every payday to your savings. Create a financial safety net for unexpected costs, save for travel, or achieve any goal you set. EarnIn makes it simple to build your savings and plan for the future(7).

Your Security is Our Priority
We are committed to protecting your data and money with advanced security technology.

Support When You Need It
Your dedicated EarnIn Care Team is here for you every day. Simply chat with us via the app or web with any questions.

As an independent financial technology company, EarnIn is not affiliated with other money apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta.

EarnIn Address:
391 San Antonio Road, Third Floor
Mountain View, CA 94040

EarnIn is a financial technology company that partners with Lead Bank, Evolve Bank & Trust, Member FDIC, to provide all banking services.

1- For a faster funds transfer, our expedited transfer option is available for a small fee. Please visit our website Earnin.com for full details.

2- EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details.

3- Tips help support the EarnIn community. Your service quality and availability aren’t affected by whether you tip or not

4- Unlock the Early Pay feature with your Deposit Account from Evolve Bank & Trust and Lead Bank. To understand the full terms and applicable fees, please learn more at our website Earnin.com

5- Your EarnIn experience is personalized. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Our overdraft tool is a helpful safeguard, though not a guarantee against overdrafts. Full details are available at our website Earnin.com for select states

6- To help you understand your credit, please note that lenders may use different scores. Your VantageScore 3.0 is a great way to see where you stand. For full details, visit Experian.com website

7- For your security, Tip Yourself accounts are held by Evolve Bank & Trust. For full transparency, this account has no monthly fees and a 0% APY. Terms are available at our website Earnin.com

Ratings and reviews

This app seems to be one of the best. I have downloaded some of yhe others, but never used them because of the monthly fees. I have not used my money as of yet, but I did walk through the steps of the instant payout. It asks for a tip which is optional. I think it is only fair since they have no monthly fee like most of the other apps that want to charge a fee before even showing what you are approved for. Also I receive SSDI benefits which is what I used as my income and was still approve

As someone who has recently been through a rough patch financially, I've used pretty much ALL the available cash advance apps. There are ones that legitimately work well, ones that work but could use some improvements, and ones that failed to work at all. EarnIn is easily one of, if not THE, very best on the Play Store at the moment! I can't speak to EarnIn's other tools or services, but in terms of their cash advances, it works perfectly! There is no monthly fee and it's easy to use. 🥳

So I've had this app for about a year or more now. I never had any issues using it. I would borrow and payback on time. My borrow amount even went up after a while. Even if my bank account was in the negative already or the amount that I borrowed came out and put me in the negative, the transaction would still go through. Now I'm seeing that they're "bouncing" and being returned. I called my bank and told them the problem, and even they see the transaction going through completely on their end.

What’s new

We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements.