Earnin: Your Money in Advance

180K 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
May 16, 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

Ratings and reviews

180K reviews
Cosmic Mea
May 4, 2022
I've been using this app for awhile and majority of the time it works. However, every time I get paid it always says I have to upload screenshots proving that I was debited the amounts I borrowed which sometimes can happen multiple times in between pay checks which is not only annoying but frustrating. As if that's not annoying enough sometimes the amount of earnings doesn't update or automatically goes to zero and takes forever to update. Overall it's ok but could be a lot better.
59 people found this review helpful
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Activehours Inc.
May 6, 2022
We don't have a live connection to your bank, which is why it takes some time to receive your transactions. If you wish to cash out sooner, you can send us a screenshot of updated transactions but this issue usually resolves on its own within a few business days. If you need assistance, we're here to help. Please email us at reviews@earnin.com.
Kyle Collins
May 13, 2022
Love that this app exists. It really helps me out when I get in the occasional pinch. Only reason I didn't give it 5 stars is because it doesn't always draft the money out of my account on the scheduled date. It may be a fault of my bank, but either way that's just a slight inconvenience. Highly recommend using Earnin' to anyone who needs a quick front to get to payday.
9 people found this review helpful
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Activehours Inc.
May 14, 2022
Thanks for bringing this to our attention, Kyle. Our debits should be posting on your scheduled payday. We'd be happy to help take a look into this for you, please chat with us in-app or send an email to reviews@earnin.com for assistance. Thank you.
Kirsten Mallory
May 1, 2022
The service provided is useful but there is a number of issues with both the app and support. I have to upload my paycheck weekly since changing jobs even though I updated all of my information, and support makes me submit it several times before accepting it. The process however is automated and you don't talk to anyone, if you click live chat in the emails it'll send you back to the app. It's a very frustrating process and personally have found the other providers of this service are better.
30 people found this review helpful
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Activehours Inc.
May 1, 2022
We understand the frustration. Since we only connect to your bank through a third-party data provider like most other companies, we encounter delays in updating your info in the app. This is the reason why we allow members to send in screenshots so we can speed up the process. Please message us at reviews@earnin.com for further assistance.

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.