EarnIn: Make Every Day Payday 4+

Access Your Money in Advance

Activehours Inc.

    • Free

iPhone Screenshots


Instantly access your pay in advance — without waiting for a paycheck. EarnIn lets you access your pay as you work — not days or weeks later. All with no loans, no borrowing money, no interest, no mandatory fees, and no credit checks.

With Cash Out on EarnIn, get up to $100/day and up to $750/paycheck to cover day-to-day costs, unexpected expenses, and everything in between[5]. Plus, we’ll help you keep your credit goals moving forward with free credit monitoring directly in the app.

Cash advances and payday loans can be misleading and costly. EarnIn simplifies things with easy, no-cost options that tap the money you’ve already earned to get you paid in advance[1]. All with no interest, no credit checks, and no surprises[5].

EarnIn also provides Balance Shield that notify you whenever your bank balance runs low[4]. Skip the cash advances and payday loans. Stay on budget with your money in advance from EarnIn.

Here’s how Cash Out on EarnIn works:
Download the EarnIn app and add your info
Access up to $100/day of your pay & up to $750/pay period
Tip what feels right (optional)
Any money accessed, plus optional fees and tips, is automatically repaid when your next paycheck comes

Download EarnIn for easy, instant access to your money when you want it.

- Connect your bank account to instantly access your pay in advance
- EarnIn works with Bank of America, Wells Fargo, Chase, Capital One, and more
- Get paid in minutes with Lightning Speed transfers[1]
- Smarter & faster alternative to cash advances

- Get up to $100/day and up to $750/pay period as you work to handle financial emergencies, cover loan payments, or keep up with day-to-day expenses
- Better than a cash advance or payday loan – get money from your own pay instantly[3]

- Monitor your credit score[6] for a full picture of your financial health
- Get alerts when your credit file changes & keep track of suspicious or fraudulent activity
- Unlike loan apps, EarnIn provides financial tools to help you monitor your credit score & move toward your goals

Questions or issues? Our Live Chat team is available 24/7, 365 days a year.
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 or a personal loan. There's no interest or APR to transfer from your paycheck.
EarnIn does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/privacy
200 Portage Ave
Palo Alto, CA 94306
EarnIn services may not be available in all states.
[1] Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank, see Cash Out User Agreement for details.
[2] Tipping options will vary between tools.
[3] 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. For more information/details visit https://www.earnin.com/evolve-bank-and-trust
[4] Balance Shield Cash Outs are subject to your available earnings, Daily Max and Pay Period Max.
[5] Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/tos
[6] Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0. Learn more: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf

What’s New

Version 15.22

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
280.7K Ratings

280.7K Ratings

Miguel53cat ,

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!

Matterettam ,

The Best In Class

I’m writing this review to extend my eternal gratitude. I had managed to get into a bad patch of my life where I was nearly going to lose my job and my home. I had been plagued with bad habits and some addictions, which I suspect transpired from the great pressure in my leadership position. I know, that seems a bit ironic, but it can easily happen to anyone that is going above and beyond at the job. I forgot about myself in the process. I knew I needed to do something about it quickly. I ceased all at once and went through lots of pain in the coming days. With that said, I knew that wouldn’t be enough to climb my way out of the financial hole quickly enough to stay living here. In my desperate search for answers, I stumbled upon this app. All I needed was about $400 to make the difference and break even. I prayed for this daily and I was blessed. Though it stated I would only be able to withdrawal $100 to start from the first pay period, it was much to my surprise that I had been granted the option of taking out up to $400, the exact amount I needed. All I have to say is keep up the great work with continuing to provide this option for those struggling. And I hope others can also triumph from their shortcomings. It’s certainty not easy, but this app makes it easier. This app saved me from going homeless and that is a miracle. Thank you so much for being awesome and providing the public a great service.

Developer Response ,

Thanks for such a thoughtful review, we appreciate your support! 🙂 If you have a story you’d like to share regarding a time Earnin has helped you out, we'd love to hear it! Please send your story to stories@earnin.com so we can hear from you.

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. :)

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

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