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Earnin: Get Cash Before Payday – Instant Money

Earnin: Get Cash Before Payday – Instant Money

Activehours Inc.

Instant access to your paycheck | No credit check | Advance your savings goals

4.6 Ratings 370K+ Reviews 5M+ Downloads

Ratings & Reviews

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  • img Community
    Verify your eligibility for unemployment benefits with this tool. Withdraw your unemployment benefits directly from your account. Receive unemployment benefits up to $500 in advance. Also get paid for work you’ve already done before your paycheck arrives. Leave an optional tip whenever you make a withdrawal.
    img by Steve
    1 year ago
  • img Community
    In the US, medical care can be extremely expensive. If you don't want to be saddled with $20,000 worth of debt, you should be able to find help through this app. The healthcare feature is designed for this purpose, while other parts of the platform let you reach your savings goals.
    img by Antonio
    4 weeks ago
  • img Expert
    1. Keep more of your money and enjoy life: avoid late fees, payday loans, and more with earnings payouts right from your phone - no fees or charges
    2. Money-savers: Lightning Speed delivers debit cashouts instantly. Balance Shield withdraws from upcoming paychecks to prevent overdraft fees
    3. Maximize your earnings with Pay Booster! Earn Shop Your Way purchase points with your paycheck cashouts

    Reviewed by JordanW on April 3, 2018

  • This app literally saved me May 9, 2020

    By Carrrmencita
    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 :)
  • Sep 13, 2021

    By Joshua Urban
    Had a little hiccup recently with this app and it stopped working but I reloaded my bank and debit card again and everything seems to be fine again. Definitely a great app as long as you have the $ to pay back when payday comes and don't get caught up borrowing every pay period. Thanks earnin this definitely helps me out a lot during short money moments.
  • What happened???? Dec 30, 2018

    By Kimverlee
    I was using this app every once in awhile for a few months without any problems. It was great! Starting a few weeks ago, I began getting an error message at log in saying I needed to reconnect my bank. I tried several times with no success. I kept getting a message that would say it’s taking longer than usual so try back. I’d wait a few days and try again but the same errors were given to me. I’d even tried to uninstall and reinstall the app twice. Yesterday I emailed a help ticket. Today I received an email saying my ticket was closed because chat was now available so use chat. Well I went to chat in and kept getting hold messages saying there were over 100 people waiting every single time I tried. Finally I had a break in my day and was able to just sit and wait for 30 minutes. The Earnin agent told me my bank was blocking the apps access and I needed to clear some kind of pop up message from my banks site using my laptop not my phone. I went to my banks site and there wasn’t a message or alert or pop up. I called my bank and they said they aren’t blocking any third party access. The agent I spoke to told me he actually used the Earnin app last week from his account with the bank. I believe my bank because I also have the Dave app and that app isn’t having any issues at all with connecting to my bank. I just don’t understand what has happened. Can’t seem to get any answers.
  • Like a credit card,without the credit check!!! Jun 21, 2019

    By DrewNstuff
    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! ✊🏼👍🏼💸💰
  • Sep 4, 2021

    By Brenda Batista
    Generally it's great. I'm now an Earnin Express member and I get paid two days early. The only complaint I have is that recently I had to update the expiration date of my bank card. Same account number, same bank, just the expiration date, and it was treated as a completely new account on my pay week. Because of that I was very anxious because I had to wait until my bank verified Earnin that the bank card with the same account number, same bank, was valid. That should improve. Just an exp date.
  • BEST SUBSCRIPTION FREE MONEY LENDER APP! Apr 9, 2020

    By ST3R01D5
    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!
  • Sep 3, 2021

    By Peter O
    Overall, once you go through the process to get verified and set up (which could take a few days) everything is pretty smooth. Lightning cash out is fantastic, and has saved me on a number of occasions when the work hours didn't meet the bill needs. As with any short term loan, borrow responsibly, and make sure you will have the funds available when repayment comes due.
  • This app literally saved me May 9, 2020

    By Carrrmencita
    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 :)
  • Sep 13, 2021

    By Joshua Urban
    Had a little hiccup recently with this app and it stopped working but I reloaded my bank and debit card again and everything seems to be fine again. Definitely a great app as long as you have the $ to pay back when payday comes and don't get caught up borrowing every pay period. Thanks earnin this definitely helps me out a lot during short money moments.
  • What happened???? Dec 30, 2018

    By Kimverlee
    I was using this app every once in awhile for a few months without any problems. It was great! Starting a few weeks ago, I began getting an error message at log in saying I needed to reconnect my bank. I tried several times with no success. I kept getting a message that would say it’s taking longer than usual so try back. I’d wait a few days and try again but the same errors were given to me. I’d even tried to uninstall and reinstall the app twice. Yesterday I emailed a help ticket. Today I received an email saying my ticket was closed because chat was now available so use chat. Well I went to chat in and kept getting hold messages saying there were over 100 people waiting every single time I tried. Finally I had a break in my day and was able to just sit and wait for 30 minutes. The Earnin agent told me my bank was blocking the apps access and I needed to clear some kind of pop up message from my banks site using my laptop not my phone. I went to my banks site and there wasn’t a message or alert or pop up. I called my bank and they said they aren’t blocking any third party access. The agent I spoke to told me he actually used the Earnin app last week from his account with the bank. I believe my bank because I also have the Dave app and that app isn’t having any issues at all with connecting to my bank. I just don’t understand what has happened. Can’t seem to get any answers.
  • Like a credit card,without the credit check!!! Jun 21, 2019

    By DrewNstuff
    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! ✊🏼👍🏼💸💰
  • Sep 4, 2021

    By Brenda Batista
    Generally it's great. I'm now an Earnin Express member and I get paid two days early. The only complaint I have is that recently I had to update the expiration date of my bank card. Same account number, same bank, just the expiration date, and it was treated as a completely new account on my pay week. Because of that I was very anxious because I had to wait until my bank verified Earnin that the bank card with the same account number, same bank, was valid. That should improve. Just an exp date.
  • BEST SUBSCRIPTION FREE MONEY LENDER APP! Apr 9, 2020

    By ST3R01D5
    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!
  • Sep 3, 2021

    By Peter O
    Overall, once you go through the process to get verified and set up (which could take a few days) everything is pretty smooth. Lightning cash out is fantastic, and has saved me on a number of occasions when the work hours didn't meet the bill needs. As with any short term loan, borrow responsibly, and make sure you will have the funds available when repayment comes due.
  • Very impressed Aug 21, 2019

    By trip_a
    Me and my husband are a young couple in our 20s he works at Fred Meyer‘s for minimum-wage we get paid every Thursday I have to met I was Little bit on the skeptical side and wondering how much this would truly cost but I literally just set it up in about 12 minutes with the help of customer service chat which was extremely helpful and after 12 minutes of setting it up I borrowed $50 for my nail appointment so I don’t have to cancel it before me and my husband go visit his family it was in my bank in less than a minute and they honest to God let you choose the fee yourself they give you an option from no tip to upwards so you’re super tight you can Little but the tips of what keeps the community going in makes this possible are used to take cash advances from the bank on almost 2 dollars to the dollar this is an answer to prayers for people that have to have a few extra dollars for us he gets paid tomorrow we leave this weekend the only nail appointment I could get was for today on a Wednesday 24 hours before his payday this app was a lifesaver and the people who made it absolutely are putting people first so whatever you do never use the cash advance service again download this app and use it instead do yourself a A favor stop letting cash advance companies and banks rip you off switch to this app and you’ll not regret it very happy customer from Brookings Oregon
  • Awesome! Jun 12, 2019

    By Deblue36
    Okay. Let me start off by saying THANK YOU to the app developers, the ones who run Earnin and everyone involved in this process!! When I first downloaded Earnin, I was VERY skeptical to put in my banking information. I went on and took a chance when I got into a bind and I am so thankful I did! The app works by seeing your location and how many hours you are at your work address. I thought well, I can’t do that, I work in a different location EVERY day. It does connect to Tsheets and Brink, both of which my company does not use. They provide the option to upload timesheets! Once I screenshot my timesheet and upload it, my earnings are updated within 10 minutes! (I really appreciate YOU, the person who verifies these too!) I only use this in an emergency situation and it keeps people out of debt with check cashing companies which can really financially hurt anyone with the never ending cycle they get you into. Speaking of finance charges, YOU get to choose how much you want to ‘tip’. I ALWAYS tip, even if I’m running low. This service is ALWAYS here when I need it, they need to be paid for the time, efforts, and just for the simple fact they provided me with a service. Sometimes I do tip more because I know there are the people who take advantage of it and don’t tip anything. PLEASE TIP!! Keep this service going and at a low cost for EVERYONE!!! Thanks for an awesome job Earnin and helping us when needed!! ❤️
  • TEN STAR APP - WE ALL NEED THIS APP! Oct 4, 2020

    By ALL-PRO-REVIEWER
    When I first read about this app I actually had to re-read the whole thing twice! Why... it really sounded too good to be true... I man who does this ? They really do “give” you a pay day advance fo FREE! What’s the catch? THERE IS NO CATCH! I’ve borrowed 100$ a day for four days in a row... yes, $400 bucks. I’m in sales so some weeks it’s feast or famine- if that’s you too - the this app is for you. I’ve saved soooo much money in NSF fees - the fee was 35$ and sometimes I incurred it just to buy groceries for me and the kids, knowing my next check was being deposited in a day or so. Since downloading this app - I’ve never had one since - you saved me hundreds. We’ve all been there .... this app is really is a life saver. I am so pleased to know there are kind souls out there who have designed this app so we can all benefit from it if needed - When I read how som people gave this app a single star - I just don’t understand how or why as it literally costs you nothing and you can tip if you want to or not if you don’t. There’s no reason for anyone to give y’all lass than 5 stars: I’ve only given three app reviews in the last 10 yrs so it means so much to me to have this app protecting me and my children. THANK YOU AND YOUR DEVELOPMENT TEAM - I’ve told everyone I know about how great this app is! We all need help - the level is different. G-d Bless you all!!!!! ************** A+
  • Sep 9, 2021

    By Cameron Creque
    Definitely helps to get money before your paid, especially when you need it. But they disguise this "tip" system they have as a way to force you into giving them money. You are forced to give "tip" money and then that "tip" money is taken back out of your account once you get paid. If it were just a service fee or something I wouldn't mind but tips are optional and for no reason should they take that "tip" money back out for themselves. Shady but hey, you get the money anytime you cash out 🤷🏽
  • Sep 10, 2021

    By Justice Negron
    Okay at first I was skeptical, but it's nice to have when you're on a tight budget trying to avoid those damn over draft fees. Update. It says I can't cash out till Aug 2nd. And that's today. Bugs and glitches. Tried reattaching my debit, but still no help. Seems a lot of people having the same issue. And customer service, doesn't help anyone because I can't get in touch with them.
  • Aug 30, 2021

    By leslie stamper
    Horrible app... they pulled money and would not reimburse me for overdraft charges.. now I can't even cash out.. customer service SUCKS!!! You'll get the run around and then get disconnected.. and its beyond irritating that you constantly have to send screenshot after screenshot... would not recommend this app at all.. lol the funniest thing is I had an agent tell me balance shield will only work if your bank account is negative.. that is the dumbest thing I have ever heard
  • Sep 4, 2021

    By Tear
    Supposed to be App that helps prevents overdraft not cause them. They debited my acct early and I was charged 140 in overdraft and they say they can't reimburse me. Luckily, bank limits the amnt to 4 fees/day or I would have been charged double that. If you take out small amnts, they debit them separately so you could easily pay more in NSF fees than what you borrowed. This is why they had a class action lawsuit for the same exact thing. $175 in NSF in 3mos and 80% cause by Earnin.
  • Aug 27, 2021

    By Deanna Reese
    By far the WORST payday advance app ever. They disconnect your bank regularly and every time it does it is basically like starting from scratch. Customer service team is lazy and will lie to you to make you happy. This app is just not worth the space it takes up or your valuable time. You are better off going to Albert, Floatme or Klover. It will save you the headache and nonsense.
  • Aug 29, 2021

    By Kai H.
    It's a good app to use when everything is in place. However, it unlinks my card randomly . Also, my max was at 500 and for some reason my app reset and gave me a starting max even though I had it built up. Furthermore, when I reached out to the help chat, they would disconnect too fast, and in turn i had to explain my situation 4 times to 4 different people before one actually stayed to help me. It's good if you're in need of money, otherwise I wouldn't use it.
  • Sep 6, 2021

    By 760 Desert Ryders offroad
    This app was a great app until recently. I had being a user of the app for a while now,and had always paid on time always, nad recently they decreased my max, and suppousobly because they are taking your financial history in consideration like your bank balance and spending, but if my financial status was good and i had a good bank balance i would not need this app in the first place, i think the only think they should consider is that you pay back on time. Again your criteria is so dumb
  • Aug 28, 2021

    By B Davis
    It's really a shame. I use to use this app all the time. I had changed jobs and stopped using it. But I got an email and could use an extra $100 on my vacation so I figured why the hell not. Not only can I not seem to log in (the log in button is literally greyed out for some reason) but I can't get the app to send me the email to update my password. Very frustrating to DL an app that can't work well enough to even log into. Uninstalled. Do not recommend.
  • Sep 8, 2021

    By Corey Ross
    I haven't been able to use this app going on 3 weeks now. No clear reason on what is actually going on other then an error connecting to my bank. It used to be great but now it's gone horribly wrong. I've done everything support has told me to do and nothing has helped. I would t recommend it till they get whatever issue is going on fixed.
  • Aug 31, 2021

    By Rikki Yarbrough
    It seems like when I need this the most it messes up. Randomly disconnects from my bank and I need to re-verify my debit card info. Always happens on a Friday too, so I get to wait out the weekend with my whole check in limbo....it's really frustrating. 31 August, 2021 Edit: Happened again. Should I expect this every payday? Interesting how there are no "connection issues" until after they withdraw money from my bank account.
  • img Community
    Verify your eligibility for unemployment benefits with this tool. Withdraw your unemployment benefits directly from your account. Receive unemployment benefits up to $500 in advance. Also get paid for work you’ve already done before your paycheck arrives. Leave an optional tip whenever you make a withdrawal.
    img by Steve
    1 year ago
  • img Community
    In the US, medical care can be extremely expensive. If you don't want to be saddled with $20,000 worth of debt, you should be able to find help through this app. The healthcare feature is designed for this purpose, while other parts of the platform let you reach your savings goals.
    img by Antonio
    4 weeks ago
  • img Expert
    1. Keep more of your money and enjoy life: avoid late fees, payday loans, and more with earnings payouts right from your phone - no fees or charges
    2. Money-savers: Lightning Speed delivers debit cashouts instantly. Balance Shield withdraws from upcoming paychecks to prevent overdraft fees
    3. Maximize your earnings with Pay Booster! Earn Shop Your Way purchase points with your paycheck cashouts

    Reviewed by JordanW on April 3, 2018

  • This app literally saved me May 9, 2020

    By Carrrmencita
    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 :)
  • Sep 13, 2021

    By Joshua Urban
    Had a little hiccup recently with this app and it stopped working but I reloaded my bank and debit card again and everything seems to be fine again. Definitely a great app as long as you have the $ to pay back when payday comes and don't get caught up borrowing every pay period. Thanks earnin this definitely helps me out a lot during short money moments.
  • What happened???? Dec 30, 2018

    By Kimverlee
    I was using this app every once in awhile for a few months without any problems. It was great! Starting a few weeks ago, I began getting an error message at log in saying I needed to reconnect my bank. I tried several times with no success. I kept getting a message that would say it’s taking longer than usual so try back. I’d wait a few days and try again but the same errors were given to me. I’d even tried to uninstall and reinstall the app twice. Yesterday I emailed a help ticket. Today I received an email saying my ticket was closed because chat was now available so use chat. Well I went to chat in and kept getting hold messages saying there were over 100 people waiting every single time I tried. Finally I had a break in my day and was able to just sit and wait for 30 minutes. The Earnin agent told me my bank was blocking the apps access and I needed to clear some kind of pop up message from my banks site using my laptop not my phone. I went to my banks site and there wasn’t a message or alert or pop up. I called my bank and they said they aren’t blocking any third party access. The agent I spoke to told me he actually used the Earnin app last week from his account with the bank. I believe my bank because I also have the Dave app and that app isn’t having any issues at all with connecting to my bank. I just don’t understand what has happened. Can’t seem to get any answers.
  • Like a credit card,without the credit check!!! Jun 21, 2019

    By DrewNstuff
    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! ✊🏼👍🏼💸💰
  • BEST SUBSCRIPTION FREE MONEY LENDER APP! Apr 9, 2020

    By ST3R01D5
    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!
  • Sep 3, 2021

    By Peter O
    Overall, once you go through the process to get verified and set up (which could take a few days) everything is pretty smooth. Lightning cash out is fantastic, and has saved me on a number of occasions when the work hours didn't meet the bill needs. As with any short term loan, borrow responsibly, and make sure you will have the funds available when repayment comes due.
  • Very impressed Aug 21, 2019

    By trip_a
    Me and my husband are a young couple in our 20s he works at Fred Meyer‘s for minimum-wage we get paid every Thursday I have to met I was Little bit on the skeptical side and wondering how much this would truly cost but I literally just set it up in about 12 minutes with the help of customer service chat which was extremely helpful and after 12 minutes of setting it up I borrowed $50 for my nail appointment so I don’t have to cancel it before me and my husband go visit his family it was in my bank in less than a minute and they honest to God let you choose the fee yourself they give you an option from no tip to upwards so you’re super tight you can Little but the tips of what keeps the community going in makes this possible are used to take cash advances from the bank on almost 2 dollars to the dollar this is an answer to prayers for people that have to have a few extra dollars for us he gets paid tomorrow we leave this weekend the only nail appointment I could get was for today on a Wednesday 24 hours before his payday this app was a lifesaver and the people who made it absolutely are putting people first so whatever you do never use the cash advance service again download this app and use it instead do yourself a A favor stop letting cash advance companies and banks rip you off switch to this app and you’ll not regret it very happy customer from Brookings Oregon
  • Awesome! Jun 12, 2019

    By Deblue36
    Okay. Let me start off by saying THANK YOU to the app developers, the ones who run Earnin and everyone involved in this process!! When I first downloaded Earnin, I was VERY skeptical to put in my banking information. I went on and took a chance when I got into a bind and I am so thankful I did! The app works by seeing your location and how many hours you are at your work address. I thought well, I can’t do that, I work in a different location EVERY day. It does connect to Tsheets and Brink, both of which my company does not use. They provide the option to upload timesheets! Once I screenshot my timesheet and upload it, my earnings are updated within 10 minutes! (I really appreciate YOU, the person who verifies these too!) I only use this in an emergency situation and it keeps people out of debt with check cashing companies which can really financially hurt anyone with the never ending cycle they get you into. Speaking of finance charges, YOU get to choose how much you want to ‘tip’. I ALWAYS tip, even if I’m running low. This service is ALWAYS here when I need it, they need to be paid for the time, efforts, and just for the simple fact they provided me with a service. Sometimes I do tip more because I know there are the people who take advantage of it and don’t tip anything. PLEASE TIP!! Keep this service going and at a low cost for EVERYONE!!! Thanks for an awesome job Earnin and helping us when needed!! ❤️
  • TEN STAR APP - WE ALL NEED THIS APP! Oct 4, 2020

    By ALL-PRO-REVIEWER
    When I first read about this app I actually had to re-read the whole thing twice! Why... it really sounded too good to be true... I man who does this ? They really do “give” you a pay day advance fo FREE! What’s the catch? THERE IS NO CATCH! I’ve borrowed 100$ a day for four days in a row... yes, $400 bucks. I’m in sales so some weeks it’s feast or famine- if that’s you too - the this app is for you. I’ve saved soooo much money in NSF fees - the fee was 35$ and sometimes I incurred it just to buy groceries for me and the kids, knowing my next check was being deposited in a day or so. Since downloading this app - I’ve never had one since - you saved me hundreds. We’ve all been there .... this app is really is a life saver. I am so pleased to know there are kind souls out there who have designed this app so we can all benefit from it if needed - When I read how som people gave this app a single star - I just don’t understand how or why as it literally costs you nothing and you can tip if you want to or not if you don’t. There’s no reason for anyone to give y’all lass than 5 stars: I’ve only given three app reviews in the last 10 yrs so it means so much to me to have this app protecting me and my children. THANK YOU AND YOUR DEVELOPMENT TEAM - I’ve told everyone I know about how great this app is! We all need help - the level is different. G-d Bless you all!!!!! ************** A+
  • Running in circles Aug 26, 2018

    By tehBearClaw
    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.
  • Sep 4, 2021

    By Brenda Batista
    Generally it's great. I'm now an Earnin Express member and I get paid two days early. The only complaint I have is that recently I had to update the expiration date of my bank card. Same account number, same bank, just the expiration date, and it was treated as a completely new account on my pay week. Because of that I was very anxious because I had to wait until my bank verified Earnin that the bank card with the same account number, same bank, was valid. That should improve. Just an exp date.
  • Aug 31, 2021

    By Marissa Letterio
    This app has saved me in a pinch more times than I can count but it does become somewhat of a habit. It is a empowering feeling to be able to spend money right after you made it but you still have to be careful. I was going to give this a five-star but I see everyone on here is upset that it doesn't work when you switch jobs so that makes me concerned in the event that something happens and I need to switch jobs. Other than that it does what it says it does but can be habit-forming
  • Great app! 😬 Just don’t use it as a crutch! Oct 1, 2018

    By katie 🐶
    Awesome app, great service. Saves you from a payday loan hell. I used it for about 6 months, any time I had a small issue it was fixed within a couple of days. Suddenly, after almost 30 successful transactions (60 if you include them taking money back out of my account).... the app stopped working for me. possibly forever? kept getting error codes, waited over a month for all of the troubleshooting they could do. Still no idea of when or if it could be fixed. That was really unfortunate! I could see that really hurting someone, luckily the timing didn’t affect me.. but worth leaving in the review! Even though my last issue was unresolved, I do sincerely think the support did everything within their power to do. They had to rely on a third party running tests after so long, I just figured it was a waste of their time at that point and closed my account. Support always sent me messages when I was confused/frustrated or just following up... never a copy/pasted response which is refreshing in any customer service situation! The way my time with Earnin ended is the only reason for 4 stars instead of 5. They’ll get it figured out. When it worked it was such a godsend! Even though it stopped working for me, the technical issue was never resolved... I really appreciate their support throughout.
  • It started off great. Dec 3, 2018

    By Brianna080296
    This app is absolutely amazing if you will know for sure that you are using the same bank account forever. I started off with a chase bank account but unfortunately things happened and I needed to open a new account with a different bank. I am trying to switch my bank account on the app considering they raise or lower the amount you can borrow based on your pay checks and money that you have in your account. Due to me not using my chase account anymore I am a little nervous they are going to lower the amount I am able to borrow when they see that there is no pay checks being deposited. I’ve been trying to contact earnin before thanksgiving to try and switch my bank account. They keep saying to do it over the app but for some reason it’s not working for me. It keeps giving me an error message saying I’m locked out of my account and to unlock hit this button. I hit the button and it’s saying I have not registered yet, every time I try it keeps giving me the same two error messages. I am questioning if I can give them my bank account and routing number and they manually change it from their end but for some reason it’s more of a problem than I thought it would be. If you have ever experienced this problem, PLEASE HELP. Because earnin customer service is not!
  • Chase Liquid- updated Review Aug 28, 2020

    By MericanBlueLine
    I am unable to use the app because my direct deposit paycheck is deposited to a Chase Liquid account, which is not considered a “checking account” and is considered to be a prepaid account. Above is my previous review which I still stand firm on and this is why I am giving a 4 star review instead of a 5 star review! However, my Chase account has now been changed to an actual bank account and therefore, I am now able to use the Earnin app thanks to chase finally allowing me to have a “Chase Secure Checking account”. Since I am now able to use Earnin, it is great! My work has always allowed us to get a pay Advance which was up to $250 but for every pay advance we got it cost a $35 fee and my work has literally made an easy hundreds if not actually thousands of dollars off of me over the years by charging this $35 fee! With Earnin I can now get pay advances and choose to tip what I feel is fair instead of being forced into a $35 fee for every pay advance. This definitely has given me more freedom with my paychecks and to be able to get some of my money ahead of “payday” which has been very helpful with managing finances! Thank you Earnin for the freedom of getting my own hard earned money when I need it instead of always having to wait until payday comes!
  • So far so good!! Jan 29, 2018

    By Jgrace0809
    I just wanted to say that I think this is one of the best apps out there for people who just need that lil extra before payday! So far everything has been smooth and the $$ goes directly into my account within minutes....it’s amazing!! However, I did give it only 4 stars for a reason! I don’t like how there’s not a feature we can use to add our overtime pay as well as any sick, personal or vacation days we use! The app counts it as $$ not earned that day when in fact most of use have work benefits that cover any time taken! Also, why is the max payout only $100 per pay period, which I make way more than that in a single day of work!!?? It was my understanding that I would be able to pull out $$ as long as I’ve already earned it at work...so that’s very misleading!! A lot of people had said that this app was better than applying for and getting one of those payday loans...well it’s not if the app only allows you to take $100 every 2 weeks, which is how I get paid! Hopefully the max I can pull out per pay period increases soon! I really love the concept of this app, but it could still use a little work on the above issues! If I’m doin something wrong, please inform!! Thanks!
  • Helpful but hurtful Sep 20, 2020

    By break it brandon
    I downloaded this app thinking it would help me, and it did. The catch that I found was that I withdrew the first 100 and I knew I would have to pay it back which at the time I didn’t think much about. My paycheck came and they took the money that was rightfully theirs, but that left my check 100 short and then they raised my available to lend balance. At the end of it all, well over a year, I was at 500 available to lend. However you have to wait to get that 500 back each time because you can only get 100 a day. If they set your balance back to 0 and you don’t have to work that weekend you have to wait until Monday after you work all day without money to get drinks or anything else you may need to buy during the day to retrieve any money. It’s a good service and it was very helpful at first but then it became more of a parasite than a helpful hand. So before you download it and get any money think about if the next week you will be in the same position and have to more and then more until you’re maxed out like I did. I shut my account down finally. I have it 4 stars because the service is helpful at first but then becomes hurtful.
  • It was great in the beginning Dec 10, 2018

    By LadyMystery8503
    I have been using this app for quite some time and I was issue free until I had fraud on my account and had to change my account number. Now for the las couple of months my bank information has not been able to verify. I send emails and messages to support and got no response at first. And when I finally got a response I was told that my direct deposits are going into an account that is closed (the one that had the fraud). I have tried to explain this but was still told to update banking info, so I am guessing the support person didn’t actually read my email, which is frustrating. The idea of this app is great, I just think they have some things they need to fix. Especially when it comes to bank account since the app has you log into your bank account, and my bank balances update regularly. Update.... The issue has finally been corrected after some screenshots and information was sent to a rep. He was very patient and handled the issue quickly and efficiently. Now I’m sure the app will be as great as it was before. I will give 4 stars for now, until I know for sure it starts working the same as before the issue.
  • App works ok but borrowing limits keep going up and down Dec 18, 2019

    By derajack007
    I first got the app and could only borrow 150 for quite a while, at least 6 months. Then all of the sudden my limit started going up and with in about a months or two my limit went all the way up to 500. The whole time from when I started I always followed their suggestions for how to increase your limit. I tipped the same amount every time I borrowed and my bank account never had anything over drawn or bounced checks. Then a few months later my limit starting going down by 50 each perriod and is back down at 250 despite me working more hours, getting a raise, a bonus, still following the suggested guidelines, and generally just earning more money. It seems that there is more that they take into consideration when setting limits that they don’t tell you. The service is nice when you need it but with so many other services offering the same thing, I might try one of the others to see if they are more transparent about what drives the decisions to set the limits. It seemed odd that I am now more financially healthy than I ever was in the past and my limit keeps getting cut. On the other hand I am more financially healthy so I actually do not need services like this one so much. So I guess the limit decreases don’t effect me if I don’t use the service. Don’t get into the habit of having to max out this service every pay perriod though because you could get screwed when they randomly decide to start cutting your limit.
  • Sep 11, 2021

    By Casey Lea
    It helps when I need it, but lately I can't upload my timesheets, earnings use to add up now every time I have to contact support and wait a while usually and then after for example yesterday 2 hours of back and forth trouble shooting my app is still not working properly. Yes I still EVENTUALLY got the money I needed but I basically bad to sit home waiting since I needed this money to get gas due to a car emergency this week I had no emergency money left. Would be 5 stars if my app working RITE
  • Referral Beware May 28, 2019

    By Topanbottom
    As I use certain apps that I believe will be a benefit to my friends I will recommend those apps to those who will benefit from it. I used the app and certain things didn’t make sense to me nor is it explained in the app manual. For instance cash earned is based on some time interval of 1 - 2 weeks and your earned bucket starts over and is not accumulative. You will not find that out until you reach out to support. Referral portion of this app is unfortunately not streamlined, the app generated a message stating that a reward was provided but it had not been applied. Since the app does not house messages or yet has the capabilities of storing them it makes it very difficult to supply screenshots of messages to support when asked for. Support is not always helpful as some are not knowledgeable in the product they support. I was asked to provide several screenshots after explaining 3 times that there was no screenshot to provide of the app generated messages. They then ask me to provide email address so they could look at the referral. If you’re willing to do battle for an hour to receive your referral bonus by all means go ahead. However, me as the consumer if I have to go through all the steps of explaining and providing documentation of what the app should already do. I will no longer refer my friends or family and will continue to use the app for myself.
  • After today I’m no longer a fan Sep 6, 2020

    By L. Berkley
    Update 09/06: This morning a community advocate did reach out to me and explain that my situation could have and should have been handled better and they did reimburse my overdraft fee and for that I’m grateful. My employer changed our paydays from Thursday’s to Friday’s and I reached out to support to update my pay cycle to reflect that. They told me that I would need documentation from my employer showing that the payday changed however my employer did not provide that to me. I had a debit scheduled to come out on Thursday that I wanted moved to Friday because of the new payday and they would not accommodate me. I then reached back out to support on my payday because at this point I have been charged an overdraft fee and requested that the fee be refunded. I was then told that I could not have my fee refunded because I did not provide documentation of the new pay day after I had already told them I wasn’t provided documentation from my employer so there was no documentation for me to give. If this app is supposed to be so helpful why would you cost me money instead of fixing an issue that could’ve been easily rectified? I personally feel like I’m being penalized for something that was beyond my control even though I tried to remedy the situation before this became a bigger issue. I don’t believe I’ll be keeping my account with them.
  • Confusing Feb 12, 2018

    By LRojas15
    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.
  • It’s Ok Apr 5, 2018

    By Hnb34
    I like the app. It does what it says it will do, and it’s helped me through some tough times. That being said, I hate how they drop the max amount you can borrow and the auto shield. My bank account gets low, yes, but I don’t suffer from overdraft because I’m not signed up for overdraft protection. Plus, I’ll purposely move money from my checking to my savings which will cause the low checking balance. Earnin sees that as my bank account going into the danger zone and will automatically send money to my bank account, causing me to have pay back money I don’t want or need at the time. I took the auto shield thing off and they dropped my max borrowing amount. I didn’t really think that was fair to penalize me for not wanting to receive money I didn’t need. It’s not like they give you the option to give it back. Plus I had issues with my bank disconnecting from the app. I’ve had to contact their customer support too many times. And while they respond very quickly and are very helpful, I don’t think I should have had to contact customer support as much as I have for this app. Overall, it’s not a bad app. It works just like they advertise. My only problem were the auto shield thing causing me to reach my max borrowing limits when I really didn’t need any money, and then being penalized for turning it off.
  • Great app, but they dont take out debit like they should Aug 28, 2020

    By flowerchildtori
    The app overall is really great, I never really had issues up until recently. For some unknown readon they didn’t take out a debit like they usually do, they only took out a very small amount and I still owed the rest and I didnt realize this as I dont check my bank account as often as I should. I got an email saying my account was on hold and I thought it would be okay. I would have had money coming out of my next paycheck to cover my most recent debit,so I had plans to pay in two weeks as they didnt have a due date and because they didnt take out what they were supposed to, I took care of extra bills thinking they already had taken their full current debit out, because I thought I had the extra money. Then this week they took out their most recent debit (which I was expecting) then decided to tack on, again not the full amount, of the debit I owned with no warning, so my account is still on hold and I have no way to get extra money and I now only have $29 in my bank to last me for my entire week and I JUST got paid today. So as soon as they decided to take out the full debit, as I cant afford the rest at the moment, I will be deleting the app. I literally cannot afford for this to happen again. Its ridiculous.
  • Terrible customer service Jul 4, 2019

    By ShayTD22
    I’d been using the app for a while and things were great. Definitely not anymore. Customer service chat has been practically useless lately. I’ve come across my earnings disappearing or not being added correctly and customer service not having any clue what is wrong while constantly repeating themselves instead of trying to help and give me meaningful information or even just answer my questions. A lot of the time my questions go unanswered. Just recently my account was overdraft because they withdrew money 2 days before I got paid. I get paid on the 5th and they withdrew on the 3rd because the 4th is a holiday yet it’s only supposed to debit a day before if my payday falls on a holiday, which it didn’t. I asked if I was going to be double charged because their system still says it’s supposed to debit on the 5th and wasn’t showing they already debited my account and once again the customer service rep repeated “we already submitted the debit request so we can’t postpone it and take it back” for the 2nd time and didn’t answer my simple question. Something as simple as having telephone customer service would be so helpful and get this back on the right track. Has potential for growth.
  • Could not get app to successfully validate information Aug 9, 2019

    By S.D.H.223
    I could not get the app to successfully validate my information. I hope the company will improve the manner in which it validates information. For example, my pay information couldn’t be validated using their app. The app forces users to obtain a printed pay stub, then take a photo. Sone employers now use electronic stubs. Maybe include the ability to upload a file like a pdf or another image file in addition to taking a photo. 2nd the app attempts to verify you are at your physical worksite. Some users may work at more than one location. Also, there are other “old fashioned” ways to verify employment when there are challenges to validating ones work location. 3rd the app requires you to give them permission to ALWAYS track your location even when the app is not in use. This is a huge privacy concern. 4th, some employees split their paycheck between other banking institutions. For example, some may use a smaller credit union and a regional bank which may not be found as an option within the app. Overall, the concept is nice for the app. However some additional features/ options would make the app much more useful for some users.
  • 50/50 Aug 2, 2018

    By Je@n88
    this app has really come in handy for me.. However, My main issue is the customer service. It will take quite some time for them to respond to you. Often times a full day. Currently, I’m going through a situation where I requested money but never received it. The belief is that the bank is the one that’s holding it, they May have flagged it as fraudulent activity. (could be very true) I’ve been going back and forth between the bank and Earnin to figure out how to trace this money for a week now. Earnin provided me with a trace number that was too short, so now I need them to provide me with another number. I emailed them at 9 AM this morning and is now past 7 PM and I still haven’t gotten a response.. That’s a whole 10 hours.. If they can respond quicker maybe this would be resolved already? Who knows. One thing I do know is come my pay day they will get every dime that I owe them including the money that I never even received because it’s lost in space. I can’t help but feel that they could do more to help me resolve this quicker. I can’t help but to feel aggravated that it has been over 10 hours since I last reach out to them and still haven’t heard back. I most likely won’t hear back until tomorrow.
  • Sep 9, 2021

    By Cameron Creque
    Definitely helps to get money before your paid, especially when you need it. But they disguise this "tip" system they have as a way to force you into giving them money. You are forced to give "tip" money and then that "tip" money is taken back out of your account once you get paid. If it were just a service fee or something I wouldn't mind but tips are optional and for no reason should they take that "tip" money back out for themselves. Shady but hey, you get the money anytime you cash out 🤷🏽
  • Aug 29, 2021

    By Kai H.
    It's a good app to use when everything is in place. However, it unlinks my card randomly . Also, my max was at 500 and for some reason my app reset and gave me a starting max even though I had it built up. Furthermore, when I reached out to the help chat, they would disconnect too fast, and in turn i had to explain my situation 4 times to 4 different people before one actually stayed to help me. It's good if you're in need of money, otherwise I wouldn't use it.
  • Aug 31, 2021

    By Rikki Yarbrough
    It seems like when I need this the most it messes up. Randomly disconnects from my bank and I need to re-verify my debit card info. Always happens on a Friday too, so I get to wait out the weekend with my whole check in limbo....it's really frustrating. 31 August, 2021 Edit: Happened again. Should I expect this every payday? Interesting how there are no "connection issues" until after they withdraw money from my bank account.
  • When it’s seems too good to be true it IS! Jan 8, 2019

    By Tai318
    I’ve been using Earnin for about a year now. It started off great & ran smoothly there were no issues with my bank or cashing out. I recommended it to all my friends and now I regret doing so. I went from getting my questions answered within an hr to having to wait an entire day IF they respond instead of just closing my tickets. The worst part is for the last 3 pay cycles they’ve been debiting my account days ahead causing overdrafts. I’ve been going in circles trying to get the support team to correct this to no avail! They just keep asking me to send screenshots that no one is clearly taking the time to go over. Nothing has changed for me to have continuous issues all of a sudden after months of using the app successfully. My account is now in the negative & I’m receiving emails saying my bank has bounced part of their drafts so my account is on hold. You can’t draft my account 4 days early and blame it on my bank when my pay schedule is in your system and I’ve sent countless pay stub after pay stub reflecting my deposits! To make matters worse as a result of their screw ups my pay period max has been reduced from 600 back to 100 after I worked to build it and never had an issue paying back until they started debiting early. Customer service has really declined and the app really seems to be going downhill 2 of my friends with different banks have also been experiencing the incorrect debits dates . I’m really disappointed!
  • Good but only for a certain subset Nov 1, 2018

    By hlcorn3
    I downloaded this app believing that I could use it based on the FAQ section in the app. I’m salaried so I don’t have a timesheet that I can upload. The app is supposed to detect when you’re at work by using GPS. However, this has not been working for me. I do travel to other locations as part of my job and I was told that this may be why the app could not verify I was at work. I do work at the location that was verified in my app most days but it still didn’t record any of that time. I know people who have used this app when working for companies like Walmart where their timesheet is uploaded to the app and this worked out well for them. The app needs to be tailored better for those who do not use a timesheet. Customer service was okay but it took them a minute to realize that I wasn’t hourly (despite this being listed in my profile), and a large portion of their responses were obviously copied and pasted (which I don’t necessarily mind if we can figure out the issue quickly). They also listed out several factors that had to be in place for the app to work such as location services being on high accuracy, etc. which were not stated upfront (and which I could not find in the FAQs either). I’m using the Dave app now which is a better fit for me and those times when I just need a few extra bucks until payday. I’m disappointed in the lack of communication and instruction from this app upfront and it’s inability to truly track my hours.
  • Great idea, not so great execution for credit unions Nov 16, 2017

    By sugardose
    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.
  • Great Service... If they could fix their constant problem. Oct 17, 2019

    By RafaelI42
    UPDATE: It has been 5 DAYS since a response regarding my issue even after being transferred to a ‘Specialist’ horrible customer service for something they caused. When I first started using Earning things were great and working just as they should, first 2 weeks went smoothly only getting funds withdrawn once my check hit my account. Then 3rd week came around and withdrawn from 2 days early leading to my account having insufficient funds for upcoming purchases/memberships resulting in MULTIPLE overdraft fees... I went through support and got 1 overdraft fee reimbursed and was told this problem should be resolved. 2 weeks go by and ONCE AGAIN, withdrawn too early and overdraft fee hits my account. Go through support get reimbursed and am told this shouldn’t happen again and the system has been updated. During the support process they asked me what my pay schedule was and I told my specialist my checks ALWAYS hit on a Saturday and she insisted this to be Monday’s with holidays being the work day before. Few weeks go by and now I’ve been withdrawn from too early again, except this time I was withdrawn from in MULTIPLE different value transactions from Earnin causing me 3 separate overdraft fees. I contacted support twice got told they’d get me in touch with someone of a higher office, the higher specialist contacts me and hasn’t responded in 2 days since.
  • CONSTANT UNRESOLVED ISSUE Sep 13, 2018

    By megxonicole
    I’ve used Earnin for about two years and loved everything about it up until the last six months I’ve had nothing but the same problem over and over again to where I haven’t even been able to USE the app. It started when the app just kept saying “we’re waiting on your bank to spend us updated transactions. Ok fine. But then three weeks go by and they’re STILL waiting on transactions? So I reach out to support and they said to go on a desktop computer and refresh my bank info (mind you, I’ve had the same bank and bank info for five years now, nothing to change) but I did it anyway. And it didn’t work. So I reached out another three times because they just wouldn’t respond to me and they said they were going to send two transactions through to my bank one was 10 cents one was like 12 cents, which is no problem, and then my account went back to working for a week, and then the same thing started showing up again with the waiting for transactions, ALSO I saw that there’s an option to send in your time sheet with your recent pay stubs on it which I’ve done at least twelve times so far and still nothing. I don’t understand what happened all of a sudden for it to just stop working, nothing changed on my end, but it is so irritating to keep going through the same problem for months and not have the problem resolved.
  • Beware! Sep 25, 2019

    By Mina2522
    I’m reading similar situations that happened to me. At first Earnin is great and a fast way to access your funds when needed. However, I went out of town for a week and wanted to utilize Earnin for 2 out of the 7 days I was away from work. Knowing exactly what my check deposit was going to be, I cashed out $100 on a Wednesday, then another $100 on Thursday. My check deposited on Friday. I skimmed through my transactions and had what I calculated I would in my account after Earnin took its share. Not so much...I came back from a great vacation with an overdraft fee from insufficient funds from Earnin, who decided to only deduct 1 of the $100 cashouts that week- then waited until the following Friday to reclaim the 2nd $100. Well..I’m not paid vacation time, therefore I had no funds in that amount. I still don’t understand why it wasn’t deducted with the check I pulled it from. Confusing, frustrating, and sketchy. Chatted with 2 customer service reps that only responses were “Someone will reach out via email within 48hrs.” & another saying they see that my issue is the overdraft fee and that it was something to contact my bank about. Wrote back one last time asking them to re-read my issue with the app and would appreciate them not dancing around answers, and to provide app users with clear alerts or guidance so that this doesn’t happen to them. I won’t be using it again.
  • Overtime things change Nov 13, 2019

    By Loveeawa
    I’ve been using Earnin for months now and initially it worked just as advertised. Overtime though when I needed to cash out u couldn’t, the app claimed the GPS could not pick up my location even though the location was set originally for “always on” and I never had a problem prior. The first help agent told me it was a glitch in their system and they are working to fix the issues implying I wasn’t the only one dealing with this. A week later I tried to cash out and my earnings say $0 even though I worked all week. The next 2 help agents I spoke with kept asking for screenshotsand electronic time sheets but at my job the time sheets aren’t electronic and we have to request them and wait until they’re mailed in. The first agent told me to send in a copy of my schedule but when I did it, the chat said I was gone for too long and gave me a new agent who informed me that they can’t accept paper schedules and can’t give me any previous earnings because it’s no proof I been to work. After weeks of not getting any earnings and speaking to 3 different issues my problem has still never been solved. And they claim that the GPS still can’t track me at work. I since just went back to using Dave, never had an issue with the Dave app, I was trying Earnin because I liked the freedom of cashing out daily if I wanted but oh well.
  • Sep 10, 2021

    By Justice Negron
    Okay at first I was skeptical, but it's nice to have when you're on a tight budget trying to avoid those damn over draft fees. Update. It says I can't cash out till Aug 2nd. And that's today. Bugs and glitches. Tried reattaching my debit, but still no help. Seems a lot of people having the same issue. And customer service, doesn't help anyone because I can't get in touch with them.
  • Aug 30, 2021

    By leslie stamper
    Horrible app... they pulled money and would not reimburse me for overdraft charges.. now I can't even cash out.. customer service SUCKS!!! You'll get the run around and then get disconnected.. and its beyond irritating that you constantly have to send screenshot after screenshot... would not recommend this app at all.. lol the funniest thing is I had an agent tell me balance shield will only work if your bank account is negative.. that is the dumbest thing I have ever heard
  • Sep 4, 2021

    By Tear
    Supposed to be App that helps prevents overdraft not cause them. They debited my acct early and I was charged 140 in overdraft and they say they can't reimburse me. Luckily, bank limits the amnt to 4 fees/day or I would have been charged double that. If you take out small amnts, they debit them separately so you could easily pay more in NSF fees than what you borrowed. This is why they had a class action lawsuit for the same exact thing. $175 in NSF in 3mos and 80% cause by Earnin.
  • Aug 27, 2021

    By Deanna Reese
    By far the WORST payday advance app ever. They disconnect your bank regularly and every time it does it is basically like starting from scratch. Customer service team is lazy and will lie to you to make you happy. This app is just not worth the space it takes up or your valuable time. You are better off going to Albert, Floatme or Klover. It will save you the headache and nonsense.
  • Sep 6, 2021

    By 760 Desert Ryders offroad
    This app was a great app until recently. I had being a user of the app for a while now,and had always paid on time always, nad recently they decreased my max, and suppousobly because they are taking your financial history in consideration like your bank balance and spending, but if my financial status was good and i had a good bank balance i would not need this app in the first place, i think the only think they should consider is that you pay back on time. Again your criteria is so dumb
  • Aug 28, 2021

    By B Davis
    It's really a shame. I use to use this app all the time. I had changed jobs and stopped using it. But I got an email and could use an extra $100 on my vacation so I figured why the hell not. Not only can I not seem to log in (the log in button is literally greyed out for some reason) but I can't get the app to send me the email to update my password. Very frustrating to DL an app that can't work well enough to even log into. Uninstalled. Do not recommend.
  • Sep 8, 2021

    By Corey Ross
    I haven't been able to use this app going on 3 weeks now. No clear reason on what is actually going on other then an error connecting to my bank. It used to be great but now it's gone horribly wrong. I've done everything support has told me to do and nothing has helped. I would t recommend it till they get whatever issue is going on fixed.
  • Sep 10, 2021

    By Joanna Key
    I loved this app. It was perfect for me with a large house hold and only one income. If we needed 50 or 100 for a couple days Bam done and done. My app has not worked in over a month now. It's quick to pay its self back but unreliable when you need/want access to the apps funds.
  • Sep 4, 2021

    By Patrick M.
    DO NOT USE IF YOU DON'T HAVE PERFECT INTERNET AT WORK!!!! My Google maps registers I'm at work 8-9 hours a day, 6 days a week, but this app doesn't? Then the customer service is garbage, someone just picking from some script according to what you say, NO HELP AT ALL. This app works for a couple months, but then it just doesn't. THERE IS ABSOLUTELY NO REASON FOR IT.
  • So many hoops to jump through. Oct 9, 2019

    By jkx08jeep
    I’m an employer looking to set this up for employees. The first time i tried using this about a year ago it took 5 days for them to say my GPS wasn’t working, to me that’s a no brainer, 5 days is an eternity for a product. So I tried again, to see what progress they have made. First off, it told me that my account “very much in the positive” was $100 negative and I needed to bring this up before they’d work with me. Cute joke. Then it went right back to the “GPS” issues again. Using my maps I took before after shots of my exact location showing where I was and sent them to the Customer Support team. So they again told me it was my GPS, I humored them and went with that explanation, turning the location settings off and on etc. This had no effect on the service. Prior to this I had taken an employee to the airport. I was shocked to find out that this disqualified me as I wasn’t in the same location for the entirety of the day. So we’re saying if you are not in the same spot for hours, you are not able to collect any money. So I asked them to ping my GPS location to see where I was at, apparently they don’t have access to that. App has a long way to go before it is a viable alternative and their customer support needs to start offering solutions and stop using every excuse to hinder the users experience. Good luck with this. We’ll find an alternative that will treat a potential client and revenue dollars as something that isn’t a chore.

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Earnin: Get Cash Before Payday – Instant Money

Earnin: Get Cash Before Payday – Instant Money