EarnIn: Why Wait for Payday‪?‬ 4+

The Best In Class

I’m writing this review to extend my eternal gratitude. I had managed to get into a bad patch of my life where I was nearly going to lose my job and my home. I had been plagued with bad habits and some addictions, which I suspect transpired from the great pressure in my leadership position. I know, that seems a bit ironic, but it can easily happen to anyone that is going above and beyond at the job. I forgot about myself in the process. I knew I needed to do something about it quickly. I ceased all at once and went through lots of pain in the coming days. With that said, I knew that wouldn’t be enough to climb my way out of the financial hole quickly enough to stay living here. In my desperate search for answers, I stumbled upon this app. All I needed was about $400 to make the difference and break even. I prayed for this daily and I was blessed. Though it stated I would only be able to withdrawal $100 to start from the first pay period, it was much to my surprise that I had been granted the option of taking out up to $400, the exact amount I needed. All I have to say is keep up the great work with continuing to provide this option for those struggling. And I hope others can also triumph from their shortcomings. It’s certainty not easy, but this app makes it easier. This app saved me from going homeless and that is a miracle. Thank you so much for being awesome and providing the public a great service.

Developer Response ,

Thanks for such a thoughtful review, we appreciate your support! 🙂 If you have a story you’d like to share regarding a time Earnin has helped you out, we'd love to hear it! Please send your story to stories@earnin.com so we can hear from you.

This app literally saved me

This is too good to be true you might wonder, like I did, so when they asked for my bank information and were verifying it by adding a dollar then subtracting it I thought I just fooled myself. I waited it out because I had no other choice, and thank goodness I did. Because this app literally fed me when I was going through serious hardship and they helped me pay off my overdue credit card on time by just allowing me to get the money already earned at work. Even through this Pandemic, they’re still operating and doing the best they can. This was my only issue: my bank is a credit union, so direct deposit hit a day early but always in the afternoon, so Earnin deducted the money I borrowed that morning as they should, making my account negative and incurring overdraft fees. I thought this was part of the “catch”. I contacted their support team late at night (I think around 11 or 12) because I commute 2 hours and a half to and from work (each way. Yeah, I was really going through it that year) and told them Earnin pulled too early in the day. They asked me to screenshot the overdraft fees for a refund, which happened right then and there and allowed me to quickly get groceries before the train came.

All in all, if you’re really going through financial hardship, please trust on me that this is the perfect app. I’m writing This because I’m having one of those “I’m grateful for this “ moments. Thanks for taking the time to read :)

Developer Response ,

Wow, Carrrmencita. Thanks for leaving us such a thoughtful review, we love hearing how we are able to help the community. It really helps us to keep going and delivering the best
or our Community Members. We really appreciate your business. Please let us know what we can do for you in the future. :)

15/10–Had $100 only TEN MINS after getting the app!

I literally JUST downloaded this app maybe 10-12 MINUTES ago…and I already have $100 IN MY REAL ACTUAL BANK ACCOUNT! 😳🎉😳🎉 Whaaaat?!? You know, I make decent money (almost $90k), and you wouldn’t think I’d need a buffer but the past few weeks have drained my savings, I’m hustling hard to rebuild that, and in the meantime I’ve had medical emergencies unexpectedly throw me through a loop. Many of these apps are practically insulting, charging crazy fees just to HAVE the app and then, only approving for like $25. 🙄 Miss me with that…because if I’m tight enough to need a booster from a payday advance app, then I need more than $25, and also cannot wait “up to 10 days” for them to make those stupid tiny deposits to confirm my bank account that I’ve had for 6 years and regularly receive direct deposits into multiple times a year! THIS app tho… I swear I just downloaded it, connected my bank, confirmed my work email and next thing I know it said I could transfer out up to $100(!!!). I didn’t any to get too excited bc I thought there’s no way that means what I think it means. I then spent about 3-4 minutes in their Help articles trying to confirm bc I just couldn’t believe it! Turns out I was right, I tipped $5, submitted, and boom—done. Checked my bank app and it was there. 😳😳😳🎉🎉🎉🎉 Awesome smooth experience and definitely will keep for a rainy day!!