iPhone Screenshots


No more waiting for payday. Access up to $100 per day of the money you’ve already earned. There are no fees or interest. Just pay what you think is fair.


We believe that having access to the money you’ve earned is a right, not a privilege.

Whether you’re avoiding overdrafts, dodging late fees, or just making sure you don’t miss out on activities with friends, you should always have access to the money you’ve earned. With the Earnin app, you can send your money to your checking account instantly whenever and wherever you are.


Connect your bank, enter employment info, and get access to your earnings! Then, choose what portion of your paycheck you want to deposit in your bank account and Cash Out. When your paycheck arrives via direct deposit, we’ll debit back the amount you cashed out, and voila! Payday, your way.

Plus, with Earnin, there are no fees and no interest. Tip what you think is fair to help keep the app going. We’re a group of people coming together to change the way people get their paychecks.


Balance Shield - Save yourself from overdraft fees! When your bank balance is low and Balance Shield is enabled, money from your upcoming paycheck deposits automatically.
Lightning Speed - Connect your debit card, and we’ll be able to send your Cash Out instantly!
Pay Booster - Earn more on every paycheck by getting Shop Your Way® points with every Cash Out.

Say goodbye to the feast and famine of the traditional paycycle. Now you can easily manage your personal finances and budget for expenses with ease. Gone is the stress of waiting for payday. After all, you already earned it!


To use Earnin you must receive your paycheck via direct deposit to a checking account. Works with Wells Fargo, Bank of America, Capital One and thousands more. Savings accounts and prepaid accounts are unsupported.

We don’t require timesheets or employer integrations. However, for people with timesheets, we’ve partnered with Brink, Tsheets, Nimble Schedule, When I Work, Deputy, and WebPunchClock to make your experience even easier.

What's New

Version 7.3

We tweaked some things to make the sign up process a tiny bit easier.

Ratings and Reviews

4.7 out of 5

13.7K Ratings

13.7K Ratings

Game Changer!

❤Janice ❤

Let me start off by saying just like majority of the people that download the app and give it a try I was VERY skeptical as I am with most things online these days. It honestly just sounds to good to be true. But this is not a fake review so let me be the first to tell you this app is 100% legit. Now as far as the trouble people is having you have to expect it especially when your dealing with a government banks but after the approval from your bank and employer you are pretty much good to go. I personally had times where I just needed some extra cash just to hold me to hold me over till my next payday and was force with the only option was to get a rip-off payday loan. Sometimes u may be in need of a simple credit card payment due or a bill or even gas to commute to work for the rest of the week and don’t need a loan for hundreds of dollars this app helps with that on another it’s crazy because something like this is for the average 9-5 worker who often overlooked. This app is a game changer and I def think of you are skeptical give it a try and see how it works! Do not listen to negative reviews everyone don’t have common sense use your own.. On another note I’m surprised this is even legal lol most of the good thing that are created to help society terrible people put a stop to it. I hope this app blows up and change lives and outlooks as it did mines!

Developer Response

Thanks so much for taking the time to leave us such a thoughtful review, Janice! 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 stories@earnin.com. Wishing you the best!

Great idea, not so great execution for credit unions


EDIT: Since Support could not resolve my issue and I'm unable to actually use this app, I have canceled my account. Original review is below.

I love the idea of this app and it definitely came in handy the first and only time I was able to successfully use the app. However, despite Earnin withdrawing my money out of my bank account to pay back my cash out, I am now unable to cash out anymore money because they can't connect to my bank account. They have my correct banking information, they were able to deposit and withdraw money from my bank account, provided them with screen captures of my bank statement showing my recent paycheck deposit as well as Earnin withdrawal as both the app and their support department requested, but they still can't connect to my bank account saying that it's an issue with their provider that they use to connect to back accounts. This makes no sense whatsoever. Support told me that this is an issue other people that use my same credit union, but obviously they can connect to my bank account because my bank statements show that and there were no connection issues last week when I cashed out and they accessed my account to pay back my cash out. I was then asked if I have another bank account I could connect to. No, I do not nor does that some this issue. I would leave a five star rating otherwise if I could actually use the app again.

Developer Response

We're happy to take a closer look into this for you. Please send us an email to reviews@earnin.com so we can get your account up and running. Thanks!



It’s more than those 3 things you need. They need to add the fact that companies that don’t use their time sheet system will delay you weeks. Make sure to screen shoot everything! They calculate earnings by your phones tracking/location services, screen shoot that. Then they want to see that you got credited .20cents for service, screenshoot. They want to see that you’re getting your checks in THAT account, screenshoot your next check. By the time you have everything good to go & you have the chance to cash out, be careful. It says “all users get daily max $100” what they don’t tell you is that you have a “pay period max” of $100 too. So if you take out $100 for the day you’re screwed until your check arrives because you hit the max pay period!?!?! This is confusing!!! What is the point in cash outs if then I would have to wait for my check anyway? Why? The whole point in cashing out early is so that we DON’T wait. Then after you have cashed out, your earnings doesn’t go down or change, keep an eye on that. And they never update my banks current balance. I don’t know how long I am going to keep this app around. I don’t like having to do the systems job, if you’re going to make a platform available across all systems then you need to stand true to your statements. This is all misleading and confusing.

Developer Response

LRojas15, we apologize for any confusion about the app, and how it works. We'd like to chat with you and answer any questions you may have. Please send an email to reviews@earnin.com for assistance. Thank you.


Activehours Inc.
43.9 MB
Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© Activehours Inc.


  • Family Sharing

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

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