What Is It and How Does it Work?

Do you generally end up operating low on money earlier than payday? If so, you may need to take a look at the Earnin app. 

The Earnin app has created a manner to assist bridge the hole between paydays with out charging customers an arm and a leg. Our Earnin evaluation can assist you resolve if the service is best for you.


Earnin helps customers cowl pay interval shortages with out having to make use of costly payday loans. The app additionally presents different monetary instruments that will help you enhance your monetary scenario as a complete. 


  • Provides payday loans at low price
  • Tip Yourself Jars might assist save
  • Financial calendar to trace cash
  • Strong deal with group 


  • Auto responses customer support
  • Not out there for SSI, incapacity, self-employed
  • Tip function might get pricey

What is Earnin?

Earnin homepage

Earnin is a fintech app that goals to assist folks keep away from payday loans. According to a current research, practically two-thirds of Americans reside paycheck to paycheck. 

The paycheck-to-paycheck way of life can typically result in occasional or frequent use of payday loans. A payday mortgage is designed to lend you cash to get you thru to the following paycheck.

When the following paycheck comes, the mortgage must be paid in full. 

Payday loans include excessive prices, together with:

  • Exorbitant rates of interest (35% or extra is widespread)
  • Additional charges and curiosity for late funds

These loans declare to assist people who find themselves dwelling paycheck-to-paycheck. However, they typically exacerbate a nasty monetary scenario due to curiosity and payment costs. Plus, it may be troublesome to know how you can legally get out of a payday mortgage. 

This is the place Earnin app is available in. According to its web site, Earnin’s purpose is to provide the cash you’ve earned if you need it. 

It’s a payday mortgage of types, however with out all the necessary charges and curiosity costs that include a conventional payday mortgage. 

The Earnin app is one among many payday mortgage alternate options that may provide help to break the paycheck-to-paycheck cycle. 

Is Earnin Legit?

Earning community impact

Yes, the Earnin app is legit. It guarantees that will help you get via the following payday in case you are quick on money, and it doesn’t fall quick on fulfilling that promise. 

Earnin boasts that, after utilizing the app, extra of its customers can cowl emergency bills, finances higher and pay their payments. It even claims to have over a million members.

However, there are some limitations to the app that try to be conscious of. These embody each day and per pay interval advance limitations. 

How Does Earnin Work?

Earnin is simple to make use of, even in case you are technologically challenged. In a nutshell, it helps you to entry your earnings earlier than your subsequent pay interval.

Here’s the way it works.

1. Sign Up

Earnin sign up

You begin by signing up for Earnin utilizing your title, cellphone quantity, electronic mail deal with and a password. Then you obtain the Earnin app. 

The app is free to make use of on each iOS and Android gadgets. Visit Google Play or the Apple App Store for extra data. 

2. Enter Your Bank Details

Next, you’ll must enter your checking account particulars. Your Earnin account must be linked to the financial institution checking account the place your employer’s direct deposit goes. 

It’s essential to notice that the Earnin app is hard in the case of safety. They use the most recent encryption expertise to maintain your private data protected. 

Earnin wants your checking account particulars with a view to deposit cash into your account and to have the ability to pay the cash again once more. 

3. Confirm Your Employer

Once you’ve downloaded the app and arrange your checking account particulars, you have to verify your employer. If you don’t have an employer, you’ll be able to’t use Earnin. 

The platform makes it simple to confirm your employer. Simply comply with the directions throughout the app. 

Note that you’ll have to ship screenshots to Earnin that confirm your direct deposit payroll. This helps Earnin decide the quantity of Cash Out cash you’re eligible for. 

4. Use Cash Out

Earnin Confirmed cash out feature

After you’re confirmed with Earnin, you should utilize the Cash Out function. Earnin has each day and per pay interval maximums that you may withdraw. 

All Earnin customers begin out with a $100 pay interval max. The extra you utilize Earnin and accomplish that responsibly, the extra your each day and per pay interval max can be. 

Keep in thoughts that if you get cash from Earnin through a Cash Out, it could actually take two to 3 days for the cash to look in your checking account. 

5. Enjoy Automatic Repayment

When you obtain a Cash Out from Earnin, the app will routinely deduct the complete quantity out of your checking account if you get your subsequent paycheck through direct deposit. 

If you select to provide Earnin a tip, your tip can be deducted together with the reimbursement of money out. You don’t have to fret about remembering to pay the private mortgage again or late charges such as you may with a payday mortgage.

If you have to reschedule your reimbursement, there’s an choice to try this as properly. Earnin means that you can reschedule one fee to your private mortgage to the next payday each 180 days.

How Much is Earnin?

How much is Earnin

Earnin is free. It doesn’t price you something to make use of it to get a private mortgage.

However, you might be allowed (and inspired) to depart a tip if you schedule a Cash Out and get the cash you have to tide you over.

Just like you will have a listing of widespread family bills, Earnin has bills as properly.

These non-compulsory ideas assist hold Earnin in enterprise and pay for these bills. Tip quantities from $1 to $14 are allowed (however not required) with every Cash Out transaction you create. 

Key Features of Earnin

The Earnin app has a number of options you may discover helpful. These are the highest perks that set it other than different apps within the house. 

Balance Shield

Earnin balance shield

Balance Shield is an additional advantage for Earnin customers. The product has two options, together with Balance Shield Alerts and Balance Shield Cash Outs.

When you select to activate Balance Shield Alerts, you’ll get notified routinely when your checking account stability falls beneath the minimal stability you’ve set. You can select any quantity between $0 and $400 to your alert. 

Balance Shield Cash Outs are automated Cash Outs that ship cash from Earnin to your checking account when your checking account falls beneath the minimal you’ve set.

There aren’t any costs for these providers apart from the non-compulsory tip. 

Tip Yourself

Tip Yourself exists as a manner to assist Earnin customers such as you save more cash. When you tip your self, the cash goes right into a non-interest-bearing account with Evolve Bank and Trust.

The cash is separated into a number of Tip Jars in your Earnin account. You can have as much as 5 Tip Jars in your Earnin account, and you may have particular financial savings objectives for every jar. 

Earnin has an combination most restrict of $2,000 that you may save amongst your whole Tip Jars. Of course, saving your cash in a high-yield financial savings account can be higher.

That mentioned, the purpose of Earnin’s Tip Jars is that will help you develop the behavior of saving cash. 

Earnin Express

Earnin express

Earnin Express is a product with a number of advantages. It permits your direct deposit paycheck to go on to your Earnin digital checking account.

When you select to allow Earnin Express, you’ll get the advantages of upper Cash Outs of as much as $1,000 or 80% of your paycheck quantity, whichever is much less. 

Any Cash Outs you owe can be routinely deducted out of your direct deposit. Then, the remaining funds can be despatched to the checking account you’ve linked to Earnin. 

In addition to those advantages, you’ll now not need to ship screenshots of your payroll deposit to the Earnin app for every pay interval. Plus, you might even get your payroll deposit a few days early. 

Lightning Speed

Earnin’s Lightning Speed function means that you can get Cash Out cash inside minutes as an alternative of days.

In order to make use of the Lightning Speed function, you have to go to your Earnin account to find out in case your financial institution is eligible.

Bonus: If you will have enabled Lightning Speed and use Earnin Express, any funds you switch from Earnin again to your linked checking account will switch inside minutes as properly. 


Boosts improve your Cash Out quantity. A Boost is the same as a brief $50 improve to your Cash Out quantity. 

However, Boosts must be accepted by a Grantor (a.ok.a. one other Earnin group member). 

You can ask any member for a Boost approval, although Earnin recommends you ask somebody that is aware of you, resembling a member of the family or buddy. 

Members can ask you to approve a Boost for them as properly. Boosts expire on the next payday, and you could submit a brand new request if you’d like one other Boost to your subsequent pay interval.

If you approve one other member’s request for a Boost, you aren’t accountable financially for the distribution of the Boost or the reimbursement of the Boost. 

It’s essential to notice that when you approve somebody’s request for Earnin to approve a Boost and the Boost isn’t repaid on the subsequent payday, your “reputation” with Earnin may very well be affected. 

The similar goes when you obtain a Boost and don’t have the cash in your account to have it paid by the following pay interval. 

As with the opposite Earnin options, there aren’t any necessary charges to make use of Boost. You can’t get a Boost past Earnin’s most $500 per pay interval money out restrict or past the whole quantity of your paycheck.

Financial Calendar

Earnin’s Financial Calendar is a function you should utilize to maintain observe of upcoming bills, Cash Outs, debits and earnings. 

You may even create recurring transactions on the calendar. The purpose of the calendar is to assist in giving you extra management over your funds.

Don’t anticipate this function that will help you handle cash like the most effective private finance software program apps do. Nevertheless, utilizing Earnin’s Financial Calendar is an effective place to begin.


Earnin has a referral program as properly. When you refer an individual to Earnin and that individual’s account meets the referral program’s present necessities, each you and the referred individual will obtain a reward.

See Earnin’s present referral program for requirement and reward particulars. 

Earnin Reviews

Earnin reviews

As with any monetary service, understanding what prospects need to say may be eye-opening when it comes to figuring out if it’s the suitable choice for you. Luckily, many customers rated the app with 5 stars.

Here’s how Earnin stacks up on the assorted ranking web sites:

Here are a couple of critiques left by Earnin customers:

“I have had an excellent experience with Earnin. Literally every time. If there have been issues it’s been my bank. Earnin support has been instantly responsive. If you have Direct Deposit and a regular paycheck, Earnin works 100%”. -Jack H

“The rep asked me to send images of my hours. I sent 6 different pictures, he said they were cropped. None were cropped. He never addressed the problem, just ended the chat.” -David L.

“An superb app! I depend upon this app for when I’ve sudden bills or once I’m in a decent pinch. The cash is nearly instantly deposited in my account so I don’t have to attend. “ -Crystal Young

“It is good when it works properly. Not dependable at all. The max period is a joke. One week, you can cash out $300+, pay it all back, then next week it goes down to $100 or can’t cash out at all.” – Breyonna P

Alternatives To Earnin

If you aren’t certain whether or not or not Earnin is the suitable answer to your monetary wants, these alternate options are price contemplating.


Brigit works equally to Earnin and presents payday advances of as much as $250. You can select between auto-advances, guide advances or each. 

However, Brigit prices $9.99 per 30 days for customers who need to have the payday advance options, which is clearly the purpose for many customers.

Brigit additionally presents a free plan that may provide help to higher observe your funds and discover additional revenue. 

See our full Brigit Review right here for extra particulars.


Dave presents payday advances of as much as $250. However, Dave prices $1 per 30 days. 

Like different related apps, your advance will get repaid again if you obtain your direct deposit paycheck.

Dave additionally has a credit-building function and goal-setting instruments. The app even has a aspect hustle device that helps you earn cash quick.


MoneyLion is a fintech checking account that gives checking account options with a $1 month-to-month service payment and no minimal stability necessities. 

The app’s RoarMoney account has an InstaCash function that means that you can rise up to $1,000 in 0% curiosity money advances. 

You may even spherical up purchases made out of your RoarMoney account and have these roundups deposited into an funding account.


Before signing up for Earnin, these solutions to often requested questions can assist you additional consider if the service is best for you.

Is Earnin protected? 

Yes, Earnin is protected. The app makes use of the most recent encryption expertise to guard your data. 

Better but, they don’t promote your private information. 

What customer support choices does Earnin provide?

Earnin presents three customer support choices, together with 24/7 reside chat, Facebook direct messaging and Twitter direct messaging. 

Does Earnin work for people who find themselves unemployed?

Unfortunately, Earnin doesn’t work for many who are unemployed, freelancers or self-employed. You must have an everyday direct deposit paycheck from an employer with a view to use Earnin.

Can you tip different folks in Earnin?

Not instantly. Tips are primarily your manner of supporting the Earnin group in order that different folks can reap the benefits of the platform’s providers. 

You can cowl the tip for another person’s money out, however you’ll be able to’t select the precise individual your tip goes to.


Earnin is an app that was designed that will help you take management of your funds. It additionally helps you meet finances shortages in between paydays.

Fortunately, you received’t see the excessive charges and rates of interest that include a payday mortgage. Earnin’s Cash Outs and different options may have the option that will help you create a extra secure monetary scenario.