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 7.4.3

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

Ratings and Reviews

4.7 out of 5

19.2K Ratings

19.2K Ratings

Very useful for emergencies


I’m usually very tight on money because of school and bills and I was at one point where I literally had like no money left in my bank and I had to wait like another 10 days to get paid, but then I found this app. I was very skeptical about it and thought it was a scam, but then I saw how good the reviews were and actually took the time to read them. Literally it tells you what it does. You can cash out up to $100 whenever you want. As far as I remembered, all you have to do is put in where you work at, put in when you get paid so they know when to take out the money you borrowed from them, set up your card account, upload paycheck stubs, and boom your done. If your card is verified with lightning speed, the money goes right into your account as soon as you cash out. I would highly recommend using that. The best thing about this app is that there isn’t any hidden fees. I was very shocked about that because usually dealing with payday loans they charge you up to $15 fee, but this app gives you the option to tip them extra money to keep the app going. So for anyone out there who needs a little extra cash for groceries, gas money, pay a bill, or just going out to eat, I’d highly recommend this app. Also make sure to leave your location on always so that it makes it easier for the app to add money in your earnings.

Developer Response

We are incredibly grateful that you took the time out to leave us this review, Jssmith77. Our company values put customer satisfaction as a top priority and we are committed to our users. It’s users like you that make our job wonderful. We're so happy to have you as part of our community and appreciate everything you've done to support us! :)

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!

Absolutely Blown Away!!!


At first, I was extremely skeptical with this app. I thought any app that it going to have access to pay statements and effect your money directly has to be too good to be true or just a downright scam. I was definitely wrong when it comes to Earnin. I get paid biweekly and sometimes it can be quite the stretch to go without having access to any of the money that I make over the two week wait. Earnin gives me access to the money that I’ve worked for while not having to wait for payday. I can’t be thankful enough to the creators and those on the Earnin team! And when I had a question about something involving a feature on the app called Lightning Speed (which gives you access to your money within minutes instead of a day) not only did they explain that making a cash out before activating the lightning speed feature would mean I’d have to wait, they went the extra mile and cancelled my cash out so I’d be able to do my cash out again but have Lightning Speed available. This app is an absolute must for those who want or need their money early for whatever reason. And the way that the Earnin community supports itself and everybody that has the app works together via the tip feature is utterly and absolutely genius! Would definitely recommend!

Developer Response

Thanks for leaving us such a thoughtful review, we love hearing how we are able to help the community, DerLYen. If you'd like to share your story about how the app has helped you, our brand team would love to hear it! You can send your story to stories@earnin.com so they can chat with you. Wishing you the best! :)


Activehours Inc.
42.1 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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