How Does The Earn It App Work

iPhone Screenshots

Tired of waiting 2 weeks to get paid? Access the money you've already earned with the Earnin app – up to $100 per day, and up to $500 per paycheck.‡ There's no hidden fees, no interest, and no credit check. Just tip what you'd like (even $0). [1] Yes, really. Earnin gives you access to YOUR hard-earned cash, with absolutely no catch.

Bills due? Need gas money? Rent coming up soon? Never penny-pinch 'til payday again. Move your money, and live your life. Earnin has over 1 million community members making any day payday.[2] Join us.

* HOW TO GET STARTED *
1. Connect your bank account where you get paid, and add a debit card
2. Add the employer you get your paycheck from
3. Verify your work email. Don't have one? Turn on Location Permissions, and we'll automatically add earnings to your Earnin account when we see you're at your work address
4. We'll verify your bank account, debit card, and confirm your hours worked. Then, cash out up to $100 per day (up to $500 per paycheck) and tip what you think is fair, between $0-14
5. On payday, we'll debit your account for the money you cashed out + tips

* STOP WAITING FOR PAYDAY *
Get up to $100 per day of the money you've already earned – up to $500 per paycheck.‡ There's no hidden fees, and no interest. Just connect your bank to Earnin. Earnin works with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and more.

* GET INSTANT BANK DEPOSITS *
Connect your debit card to Earnin and get your money in an instant, with no extra fee.[5]

* SAVE FOR A CHANCE TO WIN BIG *
Advance your savings goals! Every $10 put away in your Earnin Tip Yourself [3] account is now a chance to win up to $10 million in cash prizes with WeWin.[4]

* HELP PREVENT OVERDRAFTS *
Balance Shield Alerts notify you when your bank balance is getting low.[6]

* TRACK RECURRING PAYMENTS *
Budget smarter! The Earnin Financial Calendar lets you know in advance when you have recurring payments coming up.

* BACKED BY 24/7 SUPPORT *
If you have any questions or issues with the Earnin app, our Live Chat team is available 24/7, 365 days a year.

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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, a cash loan, or an app to borrow money. Earnin gives you access to your pay when you want it – with no interest, and no credit check. Join Earnin today, and start making any day payday.‡
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Disclaimers:
[1] Tipping options will vary between tools.‡
[2] Number of people using Earnin is from an internal analysis conducted by Earnin in January 2021, representing total users who Cashed Out at least once from January 1 to December 31, 2020.
[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.‡
[4] NO PURCHASE NECESSARY TO ENTER OR WIN WEWIN: Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To view official rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/game-rules/ Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc.
[5] Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.‡
[6] Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max.‡

**$10 referral promotion valid through 11/30/2021.‡

‡ Restrictions and/or third party fees may apply. For more info: visit earnin.com/TOS

What's New

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

203.4K Ratings

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 :)

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. :)

Like a credit card,without the credit check!!!

I've been using Earnin for a couple months now and I have to say at first I was skeptical, I mean an app that's supposed to link to your account?? I was really strapped for cash and my credit limit was maxed out when my car broke down, thankfully I was able to stumble across this app. It took 10-24 hours for them to verify and link the app to my bank account but as soon as I did I was able to cash out $100 within minutes it went straight to my account. If you are on the fence of opening another credit card try this app first. As of now there is no MANDATORY fee but optional tips that keep the app afloat and as with credit the better you tip and pay back your cash outs the better your cash outs can be. This pay period I got a boost to be able to front $200 from my next paycheck as opposed to the initial $100. One problem I'm seeing a lot of people have with this app is that it is like a credit card account in the fact that your payment takes up to two days to process so if you don't have the money in the account it can definitely leave you overdrawn because it comes out of your account the day of or the day after your paycheck automatically. I have and will continue to recommend this app so long as privacy and fee policies don't change too drastically in the future. Thanks Earnin for helping take the edge off life's ever sharp blade! ✊🏼👍🏼💸💰

Thank you so much for this excellent review, DrewNstuff! We're here to stick with our promise. Say goodbye to mandatory fees! We really appreciate everything you've done to support us. Wishing you all the best! :)

BEST SUBSCRIPTION FREE MONEY LENDER APP!

If you're like many of us that live paycheck to paycheck, you dread that overdraft fee. As long as you have proof of employment AND proof of online banking, Earnin allows you to borrow funds (up to $500, with a maximum withdrawal rate of $100 per day) against your next paycheck. Set your bi-weekly pay period in the app and Earnin will automatically debit the amount previously borrowed once it sees a direct deposit made from your employer. Note that it does take a couple of days for Earnin to authorize your bank account info so if you download this app today, there's a good chance that you won't be allowed to borrow any money for a few business days. It's a tip based app so there's no subscription fee each month. You tip what you believe is fair. I personally tip $1 for every $100 I borrow. And on average I borrow up to $400 each pay period. Earnin allows users to submit screenshots of their time cards as well as set up your employers location. Tracking your phones location is another way for Earnin to update your earned money for that day in case you forget to post your time card often. At first, users will only be allowed to borrow $100 - $200 as a pay period maximum but as you continue to use the app, that amount can and will increase that limit up to $500. I have not yet found a better app that allows me to borrow up to $500 with absolutely no credit check! Get this app today! 5 stars!

Thanks for leaving us such a thoughtful review. We love hearing how we are able to help the community. 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. Much appreciated! ❤️

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

Information

Seller

Activehours Inc.

Size

250.2 MB

Category

Finance

Compatibility

iPhone: Requires iOS 12.0 or later.

iPod touch: Requires iOS 12.0 or later.

Age Rating

Copyright

Price

Free

Developer Website
App Support
Privacy Policy

Supports

Family Sharing

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