Earnin - Formerly Activehours
By Activehours Inc.
This app is only available on the App Store for iOS devices.
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.
YOU WORKED TODAY. YOU SHOULD GET PAID TODAY. PERIOD.
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.
HOW IT WORKS
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 in Version 6.1
We fixed some bugs and added some delight
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.
I was EXTREMELY skeptical about this app.. Almost didn’t even try it because it seemed pretty impossible. I’m so glad I did! This is a huge game changer and I’ve saved a ton! It’s a huge relief to be able to get that little boost right before pay day for gas or groceries or that unexpected copay because one of the kiddos caught the flu two days before payday or your tire goes flat and needs to be fixed.. Love, love, love this app.. also— the customer service is FAST and AMAZING! My company merged with another and our pay dates changed weeks.. I realized they were going to debit my account a week before payday like the day before it was supposed to come out and explained the situation— responded and fixed within two hours, no joke! Didn’t hassle me or demand a ton of proof, just took my word and changed my pay dates. There are literally NO cons! I adore this app and my little messages I get from other people who use it when you leave a tip- which is totally optional.. I always do because I’m super grateful for the boost. I can’t say enough good stuff about this app and the staff!
Honestly great but be smart using this...
This app is honestly great and I use it about once a month for emergency bills and payments. The app is simplified and has many features such as it overdraft protection that sends you a $100 if your checking account goes below $100. Just understand you have to pay back all the money you borrow on the day of your paycheck. Also, I would always recommend leaving a tip. Even if it’s $1 it’s better than nothing because this money keeps app maintenance taken care of, it keeps the flow of money to everyone borrowing open and it also helps pay for all the Earnin employees that made this app possible. I’d recommend this app 10/10 just be responsible.