Earnin is a simple way to access your earnings before payday—and live life on your terms. Get up to $100/day or $500/paycheck to cover any expense.‡
Cash advances and loans can be confusing, misleading, and costly. With Earnin, you can tap into the funds you’re already earning—for free. Unexpected bill or upcoming rent? We got you. With Earnin, there’s no interest, no credit checks, and no surprises.‡
Here’s how it works: If you cash out $100, you get $100. Add an optional tip to support the community, and that’s it. When payday comes around, we’ll deduct the $100 you previously cashed out from your direct deposit plus any tips.
WORKS WITH YOUR BANK
Quickly receive your hard-earned cash ahead of payday, right to your bank account. We work with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and more.
GET INSTANT DEPOSITS
Access your earnings in minutes with Lightning Speed transfers. By taking advantage of the funds you’re already earning, you get a smarter (and faster) alternative to a cash advance.
Whereas cash advances and loans are packed with high interest and headaches, Earnin is designed to work for you with more peace of mind. You can even save a portion of your earnings using the Tip Yourself feature, to reach your next financial goal sooner.
TRACK YOUR BALANCE
Balance Shield Alerts send you notifications whenever your bank balance runs low.
PLAN FOR RECURRING PAYMENTS
The Earnin Financial Calendar also lets you know in advance when you have recurring payments coming up—no money surprises here.
BACKED BY 24/7 SUPPORT
Questions or issues? Our Live Chat team is available 24/7, 365 days a year.
GET STARTED IN 5 STEPS
1. Add your bank account and 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.*
For example, if you cash out $100 your future repayment is $100. Earnin has no legal right to repayment. For more information please see Earnin’s terms and conditions: earnin.com/TOS.
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 personal loan, or an app to borrow money. There's no interest or APR to cash out from your paycheck. Earnin does not require a minimum or maximum repayment time frame. It's simply your money, when you want it. Join Earnin today, and start making any day payday.‡
 Fees may apply to use Lightning Speed. 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.‡
 Tipping options will vary between tools.‡
 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.‡
 Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max.‡
**Current referral promotion valid thru May 15, 2022.‡
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
Great service, app, and customer support
Pros: - app is near bug free - the service itself is fast and only the only expense is how much gratuity you’d like to provide, personally I do about 10-15% because that would be the equivalent of an okay credit card - when I changed jobs and my schedule went from biweekly to monthly I had some overdrawn charges, I worked with earnin to reverse that and get my account in good standing promptly, thank you! Cons: - only con i experienced is that when I went from biweekly to monthly my monthly “borrow” amount was cut in half, this is because a pay period is treated the same no matter the duration. I’d suggest that users that get paid monthly have double the maximum, this would give me the same amount of flexibility I had before at my last job. It also gives me an opportunity to tip more. I hope to see this in the future Thanks for your hard work team, you’ve made a great service!
Update: I would like to reiterate from above that the opportunity to borrow is lower now that I get paid monthly instead of biweekly. Before I was able to tip more a month, two times the tip on my current limit. The risk is the same because it is the same net amount of money I used to be trusted with, I feel like this is a huge opportunity for financial gain, to help make our experience better.
Please create a ipad app. I use it on a keyboard and would love to see my repeatings bills on it. I love that feature, thank you for adding it.
Developer Response ,
We appreciate your thoughtful and detailed review. This is incredibly helpful. We want to let you know that we've taken the good and the bad elements you've mentioned in your review to heart. We build Maxes into the app to help people keep in control. All members start with a $100 Max and this can change from $50-$500 as you continue using the app. This applies whether you are paid weekly, bi-weekly, semi-monthly, or monthly. You can check the factors we consider to increase your Max by tapping the "Max Info" from your home screen. Also, we are continuously working on adding more features to our app to make your experience better. We'll make sure to incorporate your feedback in our next update. Thanks for the support!
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. :)
TEN STAR APP - WE ALL NEED THIS APP!
When I first read about this app I actually had to re-read the whole thing twice! Why... it really sounded too good to be true... I man who does this ? They really do “give” you a pay day advance fo FREE! What’s the catch? THERE IS NO CATCH! I’ve borrowed 100$ a day for four days in a row... yes, $400 bucks. I’m in sales so some weeks it’s feast or famine- if that’s you too - the this app is for you. I’ve saved soooo much money in NSF fees - the fee was 35$ and sometimes I incurred it just to buy groceries for me and the kids, knowing my next check was being deposited in a day or so. Since downloading this app - I’ve never had one since - you saved me hundreds.
We’ve all been there .... this app is really is a life saver. I am so pleased to know there are kind souls out there who have designed this app so we can all benefit from it if needed - When I read how som people gave this app a single star - I just don’t understand how or why as it literally costs you nothing and you can tip if you want to or not if you don’t. There’s no reason for anyone to give y’all lass than 5 stars: I’ve only given three app reviews in the last 10 yrs so it means so much to me to have this app protecting me and my children. THANK YOU AND YOUR DEVELOPMENT TEAM - I’ve told everyone I know about how great this app is!
We all need help - the level is different. G-d Bless you all!!!!! ************** A+
Developer Response ,
We love hearing ways we're able to help and we appreciate your time to write us such a great review! Our brand team would love to hear about the ways Earnin has helped you! Please send them an email at email@example.com so they can chat with you. Thanks for making our job wonderful! :)
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
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