EarnIn: Your Money in Advance

204K 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 $750/paycheck to cover any expense.[5]

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.[5]

Here’s how it works: If you transfer $100 of your earnings, you get $100. Add an optional tip to support the EarnIn community, and that’s it.[2] When payday comes around, we’ll deduct the $100 you previously transferred 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. EarnIn helps save money, manage your cash flow, and pay bills on time. [3]

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

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, you can transfer up to $100 of your earnings per day (up to $750 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 transferred + tips.[5]

For example, if you transfer $100 your future repayment is $100 + any tips. 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 or a personal loan. There's no interest or APR to transfer 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 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 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.
[5] Subject to your available earnings and daily 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
Updated on
Mar 27, 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
204K reviews
Johnnie Santos
March 16, 2023
I loved this app at first. Super easy and up to $500 cash advance each month. Free same day deposit. Then they changed it. They charge for same day deposit. Even if it's your own money from tip jar. App won't stay connected to my bank. Same bank I've been using for couple of months. I have to connect with bank every time I use it. It can't verify my paycheck or my debit card. Because of that my limit is $100 a month.
76 people found this review helpful
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Activehours Inc.
March 17, 2023
This is a premium feature that allows you to access your money in minutes and at the lowest possible cost. Cashing out at standard speed is still free, and tipping is entirely optional. Please visit https://bit.ly/3CMeYSR to learn more and email us to reviews@earnin.com so we can look into the other issues you are experiencing.
Christian Adams
February 8, 2023
I've been using the app for about three years it's been great, until issues started arising within the last year or so. Lightning speed isn't always instant they remove the fee when it's not but still. Also issues with my tip me account (savings) not being available when I needed my money. They changed the withdrawal date without notifying me resulting in around $170 worth of overdraft fees. Their customer service agents don't have the power to correctly solve the issues that the app presented.
242 people found this review helpful
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Activehours Inc.
February 9, 2023
We're sorry about this and want to fix it for you. Our debits should post the same day as your payday. If they posted on a wrong day, or we had your payroll setup incorrect, we'd be happy to take care of overdraft charges for you. Please send an email to reviews@earnin.com with your username and a screenshot of the charges you received.
Crystal Palyok
February 21, 2023
LOVE this Earnin app! It's been a lifesaver for me!!! It gradually increases the amount of money you can get based on your work hours, but unfortunately you can only take out $100 max a day. So each time you have to pay back that $100 it adds on an optional tip (I give $3) and $3.99 for lightning speed to deposit into your bank account immediately. So I'm basically paying $7 extra each time which isn't too bad considering how much loans cost with interest. I am so thankful this app exists!
221 people found this review helpful
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Activehours Inc.
February 22, 2023
It is not every day that we receive feedback as detailed and thoughtful as yours. But trust us when we say that it does not go unnoticed. Your comment has given us valuable insight into the services that we provide at Earnin. We sincerely thank you for taking the time to share your thoughts with us. ❤️

What's new

Hello, yellow! We have a fresh coat of paint (and a new capital letter), with an updated app for our Community Members to explore. Update EarnIn now to experience money at the speed of you, and explore new ways to make your hard-earned pay work for you.