EarnIn: Make Every Day Payday

4.6
2.33L reviews
50L+
Downloads
Content rating
Everyone
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About this app

Instantly access your pay in advance ā€” without waiting for a paycheck. EarnIn lets you access your pay as you work ā€” 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, weā€™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 youā€™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.

Hereā€™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 ā€“ 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 ExperianĀ® indicates your credit risk level and is not used by all lenders, so donā€™t be surprised if your lender uses a score thatā€™s different from your VantageScore 3.0. Learn more: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf
Updated on
25 Mar 2024

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

4.6
2.31L reviews
TriCutNinja
4 March 2024
Just downloaded the app, and as soon as it verified my bank info I was able to withdraw instantly. The money isn't subtracted from your paycheck, it's just an interest free loan you take from yourself. Any fees you take on are optional ($4 for instant transfers, and you can add a tip, but it's not required.) Genuinely saved me as I was a bit short last week.
115 people found this review helpful
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Lauren Sanders
24 March 2024
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.
8 people found this review helpful
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rm j
16 March 2024
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.
46 people found this review helpful
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Activehours Inc.
16 March 2024
Thanks for your feedback regarding the fee for Lightning Speed transfers. We're sorry for any confusion and aim to offer sustainable services for everyone. You can still transfer out for free using our standard speed option. We appreciate your understanding!

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.