Earnin: Your Money in Advance

186K reviews
Content rating
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About this app

Earnin is a simple way to access your earnings before payday—and live life on your terms. Get up to $100/day or $500/paycheck to cover any expense.‡

Cash advances and loans can be confusing, misleading, and costly. With Earnin, you can tap into the funds you’re already earning—for free.[1] Unexpected bill or upcoming rent? We got you. With Earnin, there’s no interest, no credit checks, and no surprises.‡

Here’s how it works: If you cash out $100, you get $100. Add an optional tip to support the community, and that’s it.[2] When payday comes around, we’ll deduct the $100 you previously cashed out from your direct deposit plus any tips.

Quickly receive your hard-earned cash ahead of payday, right to your bank account. We work with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and more.

Access your earnings in minutes with Lightning Speed transfers.[1] By taking advantage of the funds you’re already earning, you get a smarter (and faster) alternative to a cash advance.

Whereas cash advances and loans are packed with high interest and headaches, Earnin is designed to work for you with more peace of mind. You can even save a portion of your earnings using the Tip Yourself feature, to reach your next financial goal sooner.[3]

Balance Shield Alerts send you notifications whenever your bank balance runs low.[4]

The Earnin Financial Calendar also lets you know in advance when you have recurring payments coming up—no money surprises here.

Questions or issues? Our Live Chat team is available 24/7, 365 days a year.

1. Add your bank account and debit card.
2. Add the employer you get your paycheck from.
3. Verify your work email. Don’t have one? Turn on Location Permissions, and we’ll automatically add earnings to your Earnin account when we see you’re at your work address.
4. We'll verify your bank account, debit card, and confirm your hours worked. Then, Cash Out up to $100 per day (up to $500 per paycheck) and tip what you think is fair (between $0-14). [2]
5. On payday, we’ll debit your account for the money you cashed out + tips.*

For example, if you cash out $100 your future repayment is $100. Earnin has no legal right to repayment. For more information please see Earnin’s terms and conditions: earnin.com/TOS.

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, a personal loan, or an app to borrow money. There's no interest or APR to cash out from your paycheck. Earnin does not require a minimum or maximum repayment time frame. It's simply your money, when you want it. Join Earnin today, and start making any day payday.‡

Earnin does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/tos.

[1] Fees may apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.‡
[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.‡
[4] Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max.‡

**Current referral promotion valid thru May 15, 2022.‡

‡ Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/privacyandterms
Updated on
Aug 8, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 4 others
This app may collect these data types
Location, Personal info, and App activity
Data is encrypted in transit
You can request that data be deleted
186K reviews
Dee Jay Davis
August 3, 2022
I've used Earnin for about 2 years or longer now. This app is very helpful when I'm in a pinch, or have an unexpected expense arise! If I accur any issues, agent are available to assist over chat, so I don't get stuck on the phone, they are very helpful and friendly! I would strongly recommend this app! Also, I've never noticed any of those annoying ads that require you to set through before your able to do anything in the app. So, that's a plus as well!
67 people found this review helpful
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Activehours Inc.
August 7, 2022
Thank you so much for taking the time to leave us your review! We're happy to hear we've been able to help, and appreciate your support!
Mary Keen
August 3, 2022
I have been using it for a couple of years without any issues. But recently my bank changed platforms and currently is not working with Plaid, so they are not able to help me now because they cannot verify without Plaid. The bad part is the app gives the option to upload screenshots of your account but Earnin is unable to manually override their system. I have been told that twice by two different reps, so why is that an option??????
46 people found this review helpful
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Activehours Inc.
August 7, 2022
Thanks for bringing this to our attention. We're here to help further review this. Please send an email to reviews@earnin.com so we can check this and improve your experience.
Jimmy Mendoza
August 6, 2022
Once in a blue moon, I will get charged a day before payday. I have asked several times through their IT to fix the date of being charged. All of which were not fixed. Overall, I get the money I need almost instataneously and get charged day of. App works as it is supposed to... 80 percent of the time. The tip feature is also neat.
7 people found this review helpful
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Activehours Inc.
August 8, 2022
Thanks for your trust. We’re thankful for amazing community members like you! Please don't hesitate to contact us if you need help with your payroll info.

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.