iPhone Screenshots


Earnin is a community-supported app with a mission to build a financial system that works for people.

Get paid up to $500 between paychecks, avoid unnecessary overdraft fees, and earn cash back on your purchases.

Helpful financial tools in one simple, easy-to-use app.
No fees. Just pay what you think is fair.

*** Featured in Forbes, Nerdwallet ***

1. Connect your bank and tell us where you work.
2. We’ll verify your bank and confirm your hours worked; you cash out up to $100 per day and tip what you choose between $0-14.
3. On payday, we’ll debit your account for the money you cashed out plus any tip.


• 50%: Earnin members overdraft 50% less than the average.*

• 75%: 75% of members say Earnin has increased their ability to pay for gas and get to work.

• 95%: 95% of members say Earnin has helped pay bills on time.

• 15M: Community members have paid it forward over 15 million times.*

• $100M: If members made the same purchases without Earnin, they would have incurred over $100M in additional overdraft fees in June 2019.


Need access to the wages you’ve already earned after working?
+ Cash out and get paid when you want. Up to $100 per day, and up to $500 per paycheck.

Need help avoiding hefty overdraft fees?
+ Sign up for Balance Shield Alerts to get notified when your bank account is low.
+ Turn on Balance Shield Cash Out to get up to $100 of your earnings deposited into your account to help avoid the chance of overdrafts.

Need extra cash?
+ Join Cash Back Rewards and earn up to 10% cash back when you shop at 1000’s of participating local and national businesses.

Need your cash out immediately?
+ Set up Lightning Speed by connecting your debit card to your Earnin account and receive your money in less time, with no additional charge!

Need help remembering which bills are due?
+ Use our Financial Calendar, a handy tool that informs you of any upcoming payments.

Need help with any questions or issues you may have?
+ Get 24/7 Live Chat support in the app, including all holidays.


*Note: https://www.hicharlie.com/blog/how-to-stop-overdrafting/
*Note: When a community member chooses to leave a bigger tip, they help cover the tip for another member.

Love the app? Leave a review! Your feedback helps us improve your experience.

What’s New

Version 10.15

To create a better experience for our community, we made bug fixes and performance enhancements in the app. Love Earnin? Rate us! Providing feedback is one way our community looks out for one another.

Ratings and Reviews

4.7 out of 5
92.6K Ratings

92.6K Ratings

DrewNstuff ,

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! :)

trip_a ,

Very impressed

Me and my husband are a young couple in our 20s he works at Fred Meyer‘s for minimum-wage we get paid every Thursday I have to met I was Little bit on the skeptical side and wondering how much this would truly cost but I literally just set it up in about 12 minutes with the help of customer service chat which was extremely helpful and after 12 minutes of setting it up I borrowed $50 for my nail appointment so I don’t have to cancel it before me and my husband go visit his family it was in my bank in less than a minute and they honest to God let you choose the fee yourself they give you an option from no tip to upwards so you’re super tight you can Little but the tips of what keeps the community going in makes this possible are used to take cash advances from the bank on almost 2 dollars to the dollar this is an answer to prayers for people that have to have a few extra dollars for us he gets paid tomorrow we leave this weekend the only nail appointment I could get was for today on a Wednesday 24 hours before his payday this app was a lifesaver and the people who made it absolutely are putting people first so whatever you do never use the cash advance service again download this app and use it instead do yourself a A favor stop letting cash advance companies and banks rip you off switch to this app and you’ll not regret it very happy customer from Brookings Oregon

Developer Response ,

Wow, we're at a loss for words. We're incredibly grateful we could help, and that you took the time to write us such a kind review. We're so happy to have you as part of our community. We wish you and your husband all the best! :)

Deblue36 ,


Okay. Let me start off by saying THANK YOU to the app developers, the ones who run Earnin and everyone involved in this process!!
When I first downloaded Earnin, I was VERY skeptical to put in my banking information. I went on and took a chance when I got into a bind and I am so thankful I did! The app works by seeing your location and how many hours you are at your work address. I thought well, I can’t do that, I work in a different location EVERY day. It does connect to Tsheets and Brink, both of which my company does not use. They provide the option to upload timesheets! Once I screenshot my timesheet and upload it, my earnings are updated within 10 minutes! (I really appreciate YOU, the person who verifies these too!) I only use this in an emergency situation and it keeps people out of debt with check cashing companies which can really financially hurt anyone with the never ending cycle they get you into. Speaking of finance charges, YOU get to choose how much you want to ‘tip’. I ALWAYS tip, even if I’m running low. This service is ALWAYS here when I need it, they need to be paid for the time, efforts, and just for the simple fact they provided me with a service. Sometimes I do tip more because I know there are the people who take advantage of it and don’t tip anything. PLEASE TIP!! Keep this service going and at a low cost for EVERYONE!!!
Thanks for an awesome job Earnin and helping us when needed!! ❤️

Developer Response ,

Wow, we're at a loss for words. We're incredibly grateful we could help, and that you took the time to write us such a kind review. Hearing about your experience warms our hearts, and we wish you the absolute best. ❤️ We're so happy to have you as part of our community.


Activehours Inc.
361.6 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 17+ for the following:
Unrestricted Web Access
© Activehours Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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