Unlike other apps, all our features are completely free!
“[Earnin] lets you draw small amounts of your earned wages before payday” - Nerdwallet
“[Earnin] has quickly become a top-10 app in finance” - Forbes
3 Simple Steps to Sign Up:
Connect your bank and tell us where you work.
We’ll confirm your hours worked, and you can cash out those hours instantly.
On payday, we’ll debit your account for the money you cashed out.
Need access to the wages you’ve already earned before payday?
Cash Out and get paid when you want. Just connect your bank, we’ll confirm your hours worked, and you can cash out those hours instantly. On payday, we’ll debit your account for the money you cashed out.
Need your cashout immediately?
Set up Lightning Speed by connecting your debit card to your Earnin account and eliminate the wait time between your cash out and the money arriving in your bank account. It’s 100% free!
Need help avoiding hefty overdraft fees?
Sign up for Balance Shield Alerts to get notified when your bank account is low. Or turn on Balance Shield Cashouts to get $100 of your earnings deposited into your account to avoid an overdraft.
Need help remembering which bills are due?
Use our Calendar, a handy tool that informs you of any upcoming payments.
Need extra cash?
Sign up for Cash Back Rewards to earn up to 10% cash back when you shop at 1000s of participating local stores and restaurants.
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
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.
Best cash advance app on the market
Ive tried a few of the different (cash borrowing) apps on the market and earnin hands down takes the cake. It will transfer money instantly without the $3 fee another one charges you if you are simply needing the money instantly. Which is quite bothersome imo. Earnin is free through and through Money instantly is free no charges whatsoever. The only “fee like” thing they have is the ability to tip the app back as a sign of gratitude which is their only source of revenue from its users so that money is going towards keeping the service up and running. However even tipping is not required as you can chose the not to tip if you are broke or in a tight spot. As well as many great ppl on earnin will tip extra in order to cover a tip for the next person who borrows. Like i said this app is wayyyyyy better than the (D) cash advance app. Its not even a comparison. Really glad i found earnin and just want to say thank you to them for the great service they provide. Hands down far and beyond easily the best and only cash advance app i will ever use. Had it for apx 6 months now and still cant find one single complaint. All these cash advance apps seem too good to be true. And they all are. With the exception of earnin. They actually walk the walk. They are too good and are true! Thank you to the folks at earnin as you have got me out of a pinch more than a few times.
Developer Response ,
Yay! We really appreciate your in-depth review here, Punanie05. Thanks for describing our app in a nutshell! We work hard to meet expectations like yours, and we’re happy to hear we hit the mark for you. We love to hear customer stories, and it sounds like you have a great one! Please send an email to firstname.lastname@example.org so we can chat, we want to hear from you!
A great new concept
I stumbled upon this app while watching a movie on Pluto TV. I thought it sounded too good to be true. Since it was free to download, I did. I was a little nervous about putting all the sensitive information required to use the app. It was very easy to set up. It just took about a day to get all my information confirmed. I was a little nervous the first time I cashed out, but I have the lightning speed feature and the money was in my account in seconds.
I had an unexpected hospital stay and many unexpected tests and procedures after I downloaded the app. I was able to cash out right away and that helped pay the unexpected co-pays. Everything has worked smoothly so far. Customer Service was great. I had no wait time on the chat and my questions were answered. I would recommend this app to family and friends that would benefit from something like this. Just one overdraft can start a domino effect that is hard to get out of. I don’t mind tipping because I would rather support this community rather than cushion a big bank CEO’s pocket. If you are on the fence about this, I would go ahead and download the app. It might not be for everyone. I work in an office all day every day of the work week. It is easy for the app to know that I am at work. The app keeps track of my reoccurring expenses. That’s a bonus. So far, the app has done everything it claims. Very satisfied so far.
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. ❤️ Our brand team would love to chat with you about the ways Earnin has helped you, and to hear your experience! Please send them your story to email@example.com.
With Family Sharing set up, up to six family members can use this app.