Kitearn is a financial marketplace and rewards app. Compare earned wage access and personal loan offers from independent providers, and earn cash rewards through eligible games.

EARNED WAGE ACCESS (EWA)

Access wages you have already earned before payday. Kitearn helps you discover earned wage access offers from independent providers such as EarnIn (Activehours Inc.), Dave (Dave Operating LLC), and MoneyLion.

Amounts, delivery speed, subscription or service fees, and repayment timing are set by each provider and shown before you continue. EWA is not a traditional installment loan and does not use an APR in the same way as personal loans.

PERSONAL INSTALLMENT LOANS

Explore personal installment loans from licensed independent lenders. Tell us
how much you need and answer a few questions. Kitearn's matching tool suggests offers based on your profile. Compare amounts, APRs, fees, and repayment terms, then continue to the provider to apply.

Depending on eligibility, partners may include OneMain Financial, Avant, Upstart, Upgrade, Self, and other providers shown in the app at the time of your search.

Providers are independent third parties. Naming them does not imply sponsorship, endorsement, or guaranteed availability. Offers vary by state, profile, and time.

EARN CASH REWARDS BY PLAYING

Discover eligible games through our rewards partner. Complete qualifying
milestones to earn cash rewards.

Redeem after your balance reaches $5. Total redemptions limited to $50 per
calendar month. Approved redemptions are paid by the last day of the following month. Games, milestones, and eligibility may vary.

IMPORTANT

Kitearn is not a lender, does not make credit decisions, and does not guarantee
approval or funding. All products are offered by independent third-party providers under their own terms.

Not every user will receive an offer. Matching helps narrow your search but is not financial advice.

PERSONAL LOAN DISCLOSURE

Personal loans from Kitearn's partners have repayment periods from 61 days to 36 months and a maximum APR of 35.99%.

Example: A $1,000 loan with a 12-month term at 29.99% APR has an estimated
monthly payment of approximately $97.48 and total repayment of approximately $1,169.79. Actual terms depend on the provider and your eligibility.

EARNED WAGE ACCESS DISCLOSURE

EWA amounts, fees, delivery options, and repayment timing vary by provider.
Fees may include subscription, service, transaction, or optional expedited
delivery fees. Review all fees and the total amount due before accepting.

Example: A $100 advance with a $5 service fee means you receive $100 and repay $105 on the date agreed with the provider. Terms vary; some providers offer standard delivery with no additional fee.

LEGAL

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