EarnIn: Make Every Day Payday

225K reviews
Content rating
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About this app

Instantly access your pay in advance — without waiting for a paycheck. EarnIn lets you access your pay as you work — not days or weeks later. All with no loans, no borrowing money, no interest, no mandatory fees, and no credit checks.

With Cash Out on EarnIn, get up to $100/day and up to $750/paycheck to cover day-to-day costs, unexpected expenses, and everything in between[5]. Plus, we’ll help you keep your credit goals moving forward with free credit monitoring directly in the app.

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 Alerts 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 and 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.

- Connect your bank account of choice 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 and faster alternative to cash advances

- Get up to $100/day and up to $750/pay period as you work 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]

- Monitor your credit score [6] (and what’s behind it) for a full picture of your financial health
- Get alerts when your credit file changes and keep track of suspicious or fraudulent activity
- Unlike loan apps, EarnIn provides financial tools to help you monitor your credit score and move toward your goals

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

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/tos.
200 Portage Ave
Palo Alto, CA 94306
[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
Updated on
Dec 4, 2023

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

Ratings and reviews

223K reviews
Mic Cryer
November 29, 2023
Used to be good, but not anymore. Loses connection with bank all of the time and I have tried to upload multiple screenshots with all of the information requested. Messaged customer service and they said there is not an expected date for a fix. Was constantly transferred to a different person, which one time took almost 2 hours. Great way to run a business, especially around the holidays.
42 people found this review helpful
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Activehours Inc.
November 29, 2023
We're sorry to hear about this and this wasn't supposed to happen. Like most financial services, we use a bank provider to connect to your bank and bank connection may arise at any moment. Please send us an email to reviews@earnin.com (mailto:reviews@earnin.com) for assistance. Thank you.
Farrah Farrior
December 2, 2023
EarnIn can be ok when you need it in a bind, but I do have a couple of issues with how they adjust things. For instance, my bank loads my paycheck a day early, but not until 8 am and a lot of times, EarnIn will try to take their repayment before 8 am, which can cause me to get a negative balance alert. Then, because my account has dipped into negative because of them, they then reduce my pay period max even though when my check hits my account, they received their payment. It's ok but not great
11 people found this review helpful
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Activehours Inc.
December 2, 2023
We’re sorry to hear about your experience, and we really appreciate your feedback. We’d love to help you get started and improve your experience. Please send an email to reviews@earnin.com and we’ll check on this for you.
Tim Bolosan
December 2, 2023
Used to better. You used to be able to transfer out $100/day if you needed it. Now they only give you a specific amount per day and it (slowly) only goes up as your next pay period is close. I don't know why they decided to do it this way, but it's not as convenient as it used to be. Cant really do much if theyre only allowing me to transfer out up to $25 a day and itll be stuck at $0 available when my max is way higher.
14 people found this review helpful
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Activehours Inc.
December 2, 2023
We’re sorry to hear about your experience and want to fix this for you ASAP. Please send an email to reviews@earnin.com so that we can look into this for you.

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.