Tired of waiting 2 weeks to get paid? Access the money you’ve already earned with the Earnin app – up to $100 per day, and up to $500 per paycheck.‡ There's no hidden fees, no interest, and no credit check. Just tip what you’d like (even $0).  Yes, really. Earnin gives you access to YOUR hard-earned cash, with absolutely no catch.
Bills due? Need gas money? Rent coming up soon? Never penny-pinch ‘til payday again. Move your money, and live your life. Earnin has over 1 million community members making any day payday. Join us.
* HOW TO GET STARTED *
1. Connect your bank account where you get paid, and add a 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
5. On payday, we’ll debit your account for the money you cashed out + tips
* STOP WAITING FOR PAYDAY *
Get up to $100 per day of the money you’ve already earned – up to $500 per paycheck.‡ There's no hidden fees, and no interest. Just connect your bank to Earnin. Earnin works with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and more.
* GET INSTANT BANK DEPOSITS *
Connect your debit card to Earnin and get your money in an instant, with no extra fee.
* SAVE FOR A CHANCE TO WIN BIG *
Advance your savings goals! Every $10 put away in your Earnin Tip Yourself  account is now a chance to win up to $10 million in cash prizes with WeWin.
* HELP PREVENT OVERDRAFTS *
Balance Shield Alerts notify you when your bank balance is getting low.
* TRACK RECURRING PAYMENTS *
Budget smarter! The Earnin Financial Calendar lets you know in advance when you have recurring payments coming up.
* BACKED BY 24/7 SUPPORT *
If you have any questions or issues with the Earnin app, our Live Chat team is available 24/7, 365 days a year.
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 cash loan, or an app to borrow money. Earnin gives you access to your pay when you want it – with no interest, and no credit check. Join Earnin today, and start making any day payday.‡
 Tipping options will vary between tools.‡
 Number of people using Earnin is from an internal analysis conducted by Earnin in January 2021, representing total users who Cashed Out at least once from January 1 to December 31, 2020.
 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.‡
 NO PURCHASE NECESSARY TO ENTER OR WIN WEWIN: Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To view official rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/game-rules/ Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc.
 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.‡
 Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max.‡
**$10 referral promotion valid through 11/30/2021.‡
‡ Restrictions and/or third party fees may apply. For more info: visit earnin.com/TOS
We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements.
Ratings and Reviews
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. :)
Like a credit card,without the credit check!!!
I’ve been using Earnin for a couple months now and I have to say at first I was skeptical, I mean an app that’s supposed to link to your account?? I was really strapped for cash and my credit limit was maxed out when my car broke down, thankfully I was able to stumble across this app. It took 10-24 hours for them to verify and link the app to my bank account but as soon as I did I was able to cash out $100 within minutes it went straight to my account. If you are on the fence of opening another credit card try this app first. As of now there is no MANDATORY fee but optional tips that keep the app afloat and as with credit the better you tip and pay back your cash outs the better your cash outs can be. This pay period I got a boost to be able to front $200 from my next paycheck as opposed to the initial $100. One problem I’m seeing a lot of people have with this app is that it is like a credit card account in the fact that your payment takes up to two days to process so if you don’t have the money in the account it can definitely leave you overdrawn because it comes out of your account the day of or the day after your paycheck automatically. I have and will continue to recommend this app so long as privacy and fee policies don’t change too drastically in the future. Thanks Earnin for helping take the edge off life’s ever sharp blade! ✊🏼👍🏼💸💰
Developer Response ,
Thank you so much for this excellent review, DrewNstuff! We're here to stick with our promise. Say goodbye to mandatory fees! We really appreciate everything you've done to support us. Wishing you all the best! :)
I was using this app every once in awhile for a few months without any problems. It was great! Starting a few weeks ago, I began getting an error message at log in saying I needed to reconnect my bank. I tried several times with no success. I kept getting a message that would say it’s taking longer than usual so try back. I’d wait a few days and try again but the same errors were given to me. I’d even tried to uninstall and reinstall the app twice. Yesterday I emailed a help ticket. Today I received an email saying my ticket was closed because chat was now available so use chat. Well I went to chat in and kept getting hold messages saying there were over 100 people waiting every single time I tried. Finally I had a break in my day and was able to just sit and wait for 30 minutes. The Earnin agent told me my bank was blocking the apps access and I needed to clear some kind of pop up message from my banks site using my laptop not my phone. I went to my banks site and there wasn’t a message or alert or pop up. I called my bank and they said they aren’t blocking any third party access. The agent I spoke to told me he actually used the Earnin app last week from his account with the bank. I believe my bank because I also have the Dave app and that app isn’t having any issues at all with connecting to my bank. I just don’t understand what has happened. Can’t seem to get any answers.
Developer Response ,
We're sorry for the troubles you've experienced, Kimverlee. After checking your account, we see that it's fully active now and you were able to cash out successfully. If you encounter any issues with the app again, please let us know. You can reach us by emailing email@example.com. Thank you!
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Activehours Inc.
- 230.4 MB
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Age Rating
- © Activehours Inc.
With Family Sharing set up, up to six family members can use this app.