EarnIn: Why Wait for Payday?

Activehours Inc.

4.7

Publisher Country	US
Country Release Date	2014-01-21
Categories	Finance
Country / Regions	US
Developer Website	Activehours Inc.
Support URL	Activehours Inc.
Content Rating	Everyone

EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more.

GET UP TO $150 PER DAY*
Access up to $150/day, with a max of $750 per pay period. Get your money in your bank in minutes for a small fee, or in 1-3 business days at no cost.

NO MANDATORY FEES
No interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.¹

ACCESS YOUR OWN CASH
Tap into money you’ve already earned to pay bills in advance, keep your budget on track, and more. Why borrow money, take out a payday loan, or use a cash advance?^

GET PAID EARLY
With Early Pay, you can get your paycheck up to 2 days early. Just $2.99 per expedited transfer to your primary bank.‡

HELP AVOID OVERDRAFTS
With Balance Shield, you can get alerts & custom transfers from your own pay to help protect your bank balance.**

TRACK YOUR CREDIT SCORE FOR FREE
Your VantageScore 3.0® by Experian® is just a tap away.^^

EFFORTLESS SAVING
With Tip Yourself, you can set yourself up to save every time you get your paycheck.²

SAFE AND SECURE
We use the latest in security technology to keep your data protected.

BACKED BY 24/7 SUPPORT
Our Live Chat team is available 24/7, 365 days a year.

EarnIn is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, MoneyLio

EarnIn
391 San Antonio Road, Third Floor
Mountain View, CA 94040

_
EarnIn is a financial technology company not a bank. Banking Services are provided by Evolve Bank & Trust, Member FDIC.

^ Expedited transfers available for a fee. Visit Earnin.com for full detail.

EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details.

¹ Tips go to EarnIn. Whether you tip, how much and how often you tip do not impact the quality and availability of services.

‡ Early Pay requires a Deposit Account with Evolve Bank & Trust. Fees and restrictions apply. Visit EarnIn.com for full details.

* EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details.

^^ Your VantageScore 3.0 may differ from the score your lender uses. Visit Experian.com for full details.

² Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details.

Google Play App Store

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258.78K+

By Rebecca
2025-02-20
Version 15.55
Battery UsageFeature RequestsSpending
They are great they never upgrade your balance no matter how often you pay them back on time, though. It is the only app that charges minimal amounts to use. The other issue is that you can't pay them back early. I work at a school, so sometimes my check is off due to vacation or snow. I need to pay back early, and there is no option to do so. However, the money they do offer is always available, and that's totally worth it to me. I'd be more likely to leave tips if they would review my account.
By Meliodas Morningstar
2025-01-25
Version 15.51
SpendingWaiting
I only use this for emergency use only but it's a lifesaver and I very much appreciate being able to draw money in advance, the only drawback is when you're struggling financially you sometimes get stuck in a cycle of drawing in advance until the situation gets better or you have to force yourself not to draw just to restabilize. Only complaint I have is they raised they're fee from 3.99 to 6.99 to draw instantly but there's a free draw but you have to wait a couple days to get your money.
By Brent Howard
2025-01-24
Version 15.48
Bugs
So I've had this app for about a year or more now. I never had any issues using it. I would borrow and payback on time. My borrow amount even went up after a while. Even if my bank account was in the negative already or the amount that I borrowed came out and put me in the negative, the transaction would still go through. Now I'm seeing that they're "bouncing" and being returned. I called my bank and told them the problem, and even they see the transaction going through completely on their end.