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Description

Access up to $500 between paychecks, win up to $10 million just by saving money, get cash in minutes, explore savings options on medical bills, help avoid overdraft fees, and get cash back on purchases. No hidden fees. Just pay what you think is fair.

SIMPLE STEPS TO CASH OUT:
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1. Connect your bank and tell us where you work.
2. Turn on Location Permissions - we’ll automatically add earnings to your account when we see you’re at your work address.
3. We’ll verify your bank and confirm your hours worked; cash out up to $100 per day and tip what you think is fair, between $0-14.
4. On payday, we’ll debit your account for the money you cashed out + tips.

FAST FACTS:
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• 75% of members say Earnin has increased their ability to pay for gas and get to work.
• 15M community members have tipped extra to cover a fellow member’s tip.

YOUR TOOLS:
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+ Cash Out
Get paid when you want; up to $100 per day, and up to $500 per pay period.

+ NEW: WeWin
Every $10 put away in your Earnin Savings Jar is now a chance to win up to $10 million in cash prizes! Set up an AutoSave schedule for your Savings Jar for more chances to win!

+ Lightning Speed
Connect your debit card to Earnin and receive your money in minutes, with no extra charge!

+ Balance Shield
Balance Shield Alerts notify you when your bank balance is getting low. Balance Shield Cash Outs send up to $100 of your earnings directly into your account to help avoid the chance of overdrafts.

+ Cash Back Rewards
Earn up to 10% cash back when you shop at participating local and national businesses.

+ GPS Earnings
GPS Earnings automatically adds your earnings to your account based on your work address. It replaces the need for a timesheet. For it to work, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address.

+ Live Chat Support
If you have any questions or issues with the app, our Live Chat team is available 24/7, including all holidays.

+ Financial Calendar
A budgeting feature that informs you of any recurring payments that are coming up.

Disclaimers:
*Tipping options will vary between tools.
*Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. For more information visit https://www.earnin.com/privacyandterms
*For Lightning Speed, transfer speeds may vary and could take up to 30 minutes. Other restrictions and/or third party fees may apply. For more information visit earnin.com/TOS
*Health Aid results are not guaranteed and in some instances, Earnin may not be able to negotiate any savings or payment options. Other restrictions may apply. For more information visit earnin.com/TOS
*Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max. Other restrictions apply. For more information visit earnin.com/TOS
*By using Cash Back Rewards (powered by Empyr) you allow participating merchants and/or card networks details of your transactions. Cash Outs may take up to 30 minutes, actual transfer speeds will depend on your bank connection. For more information visit earnin.com/TOS
*Restrictions and/or third party fees may apply. For more information visit earnin.com/TOS.
*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. Apple is not a sponsor nor is involved in any contests or sweepstakes. Sponsor: Activehours, Inc.

Fast Fact Sources:
Source: 2016 survey conducted by Earnin with 1,070 participants
Source: Internal analysis conducted by Earnin on March 17, 2020

What’s New

Version 10.87

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

4.7 out of 5
194.4K Ratings

194.4K Ratings

Carrrmencita ,

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. :)

Kimverlee ,

What happened????

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 reviews@earnin.com. Thank you!

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! :)

App Privacy

The developer, Activehours Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Family Sharing

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

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