Earnin is a community-supported app with a mission to build a financial system that works for people. Access up to $500 between paychecks, explore savings options on medical bills, help avoid unnecessary overdraft fees, and earn cash back on your purchases.
Four financial tools in one simple, easy-to-use app. With Earnin, there are no hidden fees. Just pay what you think is fair.
THREE SIMPLE STEPS TO CASH OUT:
Connect your bank and tell us where you work.
We’ll verify your bank and confirm your hours worked; you cash out up to $100 per day and tip what you think is fair, between $0-14*.
On payday, we’ll debit your account for the money you cashed out plus any tip.
• 75%: 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 over 15 million times.
• $133: Health Aid has found average negotiated savings of $133 per community member. (Results not guaranteed)
• $100M: If members made the same purchases without accessing their pay using Earnin, they would have incurred over $100M in additional overdraft fees in June 2019.
+ Cash Out
Get paid when you want. Up to $100 per day, and up to $500 per pay period.
+ Health Aid
Send us your medical bill and we will negotiate with your medical provider to try to reduce your balance and/or find you a more affordable payment plan.
+ 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 1000’s of participating local and national businesses.
+ Lightning Speed
Connect your debit card to your Earnin account and receive your money in less time, with no additional charge!
+ Live Chat Support
If you have any questions or issues with the app, our Live Chat team is available 24/7, including all holidays.
+ 256-Bit Data Encryption
Earnin uses bank-level encryption to protect and secure your data.
+ Financial Calendar
A handy tool that informs you of any upcoming payments.
*Note that tipping options will vary between tools.
*Once Balance Shield is activated, it must be reset after each use.
Love the app? Leave a review! Your feedback helps us improve your experience.
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 ReviewsSee All
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! :)
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! :)
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.
With Family Sharing set up, up to six family members can use this app.