Budget upcoming expenses before payday and cash out $100 per day from your next paycheck interest free. No credit check. No monthly fee. Just tip what you think is fair and keep the community going!
Earnin allows you to get paid as soon as you leave work instead of having to wait for payday. Just tell Earnin where you work, connect your bank, and that's it: you can start taking out up to $100 out of your own paycheck everyday. It is that simple, no social security number, credit check, or personal details required!
No one should ever have to get a payday advance, payday loan, cash loan, cash advance, or a paycheck advance to access money that already belongs to them. Earnin is creating a new way to get your paycheck with no fees, no interest, and no hidden costs. So, how do we keep things running? Our users support the community by tipping what they think is fair and paying it forward to other people.
The Earnin community works over 5,000,000 hours per week at over 50,000 employers across all 50 States!
Every year, $1 trillion of the money earned by hourly workers in the US is held up in the pay cycle. While Americans wait for their pay, they turn to short-term credit products and end up paying over $100B in interest and fees.
Why should people have to pay for money that belonged to them in the first place?
Launched in 2014, Earnin (formerly known as Activehours) is building a financial system that works for people — starting with the pay cycle.
Earnin unlocks your pay by giving you access to the money you've already earned when you need it, right from your smartphone.
YOU WORKED TODAY. YOU SHOULD GET PAID TODAY.
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 Earnin WORKS
Connect your bank, enter job info, and that’s it! You can get paid the minute you leave work. Just 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.
WHAT'S IN EARNIN
►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.
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.
No more loans, interests, overdrafts and late fees. INSTALL Earnin NOW.
Peep our new look. It's a subtle change on the home screen. Let us know what you think!
Ratings and Reviews
Running in circles
I have been trying to no avail to set up this app. For nearly 3 weeks they claimed they were unable to verify my bank account. Everything else had been able to verify. Then suddenly things changed and while my bank was verified, they were unable to verify my payday? What changed in that timeframe? They ask me to send screenshots and then claim that the account info doesn’t match what they have on their records...the same info that I typed in 3 weeks ago, for a bank account I’ve had for nearly 5 years. I then send more screenshots with carefully worded responses because there is clearly not a blanket solution to my issue. I the receive form responses or no response at all. I’ve worked in customer service and currently work in sales, if handled my accounts with such a laissez-faire attitude I wouldn’t have a job. Would love to use the app but it’s been nothing but an enormous headache thus far.
UPDATE: about a week after my initial review, my problems were resolved. I have been using the app problem free for a couple months now and can say it is truly as good as it sounds. They give you the money, and it gets deducted when you get paid. I have a partial commission payscale, so being able to pad a light paycheck with money from my large check is godsend when the weeks don’t line up well for things like rent and student loans. I’m updating this to a 5 Star review.
Developer Response ,
We're glad to hear your issue has been fixed, thank you for letting us know. Feel free to reach out if you have any questions, or need help. Thank you so much for updating your rating.
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 firstname.lastname@example.org. Wishing you the best!
I have iPhone 7plus I just started adding social apps, shopping apps and financing apps I never had the space in my phone. So for every new app I checked reviews. I almost didn’t download this but I really needed the money and if something happened to my account I would call my bank Chase as a safety net. A few reviews said the app crashes on iPhone. It hasn’t for me. And their deposit check reviews said it didn’t work, it did for me right away, they did a 1cent deposit. I set up my debit card right off the back I was nervous but it said every thing was lightning speed and ready. The second day I made my “cash out” for $50 it said I could do $100 the first day but I was still nervous and didn’t need it but it came instant. The only bad thing is your balance doesn’t show updated in the app. Always check your actual account. Their app with notify you but it doesn’t refresh unless you do something idk what I did. Also in the app I think the friendly thank yous are fake but it’s a nice touch. I gave this app 4 Stars bc I don’t read 5 stars or 1 stars they’re usually fake. From what the app said and reviews, it works better if your bank is known like Chase or Well Fargo. And if your job is know like mine I work for a bus company. So I found my job in the list to choose from I didn’t have to create it. Keep that in mind. If you have issues everyone is different try another one but I do recommend this.
Developer Response ,
Thanks for the review, Tee833. Since we don't have a live connection to your bank, we only receive updates periodically. Sometimes it will take a little time to reflect the changes made to your bank account but as soon as we receive new info, our system updates it automatically. :) Feel free to reach out with any questions you have by sending us an email to email@example.com. Thanks!
With Family Sharing set up, up to six family members can use this app.