EarnIn: Why Wait for Payday?
Free
rated 4.7 stars
10,000,000+
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About EarnIn: Why Wait for Payday?
Your Daily Cash Advance, Up to $150 a Day
Use Cash Out to access up to $150/day from your earnings and up to $1,000 per pay period(1). Get your money in your bank account in minutes for a small fee, or enjoy our no-cost option in 1-3 business days. Gain control of your payday and access the money you've earned as you work with EarnIn.
Your Money, Without the Fees
Enjoy the freedom of access with no interest, no credit check, and no mandatory fees. We provide a smarter path to your money than traditional payday loans or cash advances. Tipping is always optional and helps support our community(*).
Access What You've Earned
Control your cash flow by getting paid as you earn. Access the money you've already earned to pay your bills ahead of time and sustain your budget. It's better than taking out a payday loan, using a cash advance, or needing to borrow money.
Receive Your Paycheck Early
Unlock your payday up to 2 days early with Early Pay. An expedited transfer for immediate access is just $2.99(2).
Manage Your Cash Balance with Confidence
Enjoy peace of mind with Balance Shield. Our helpful alerts and smart transfers from your own pay help safeguard your bank balance and prevent overdraft fees(3).
Know Your Credit Score for free
Stay informed about your financial health; your VantageScore 3.0® from Experian® is available for free with a single tap(4).
Build Your Savings with Confidence
With Tip Yourself, you can pay yourself first by automatically transferring money from every payday to your savings. Create a financial safety net for unexpected costs, save for travel, or achieve any goal you set. EarnIn makes it simple to build your savings and plan for the future(5).
Support When You Need It
Your dedicated EarnIn Care Team is here for you every day. Simply chat with us via the app or web with any questions.
As an independent financial technology company, EarnIn is not affiliated with other money apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta.
EarnIn Address:
391 San Antonio Road, Third Floor
Mountain View, CA 94040
EarnIn is a financial technology company that partners with Lead Bank, Evolve Bank & Trust, Member FDIC, to provide all banking services.
^ Expedited transfers available for a fee. Visit Earnin.com for full details.
* Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not.
1- 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.
2- EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC. FDIC insurance covers eligible funds should the bank holding your funds fail. Fees and restrictions apply. Visit EarnIn.com for full details. including FDIC coverage information.
3- 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.
4- To help you understand your credit, please note that lenders may use different scores. Your VantageScore 3.0 is a great way to see where you stand. For full details, visit Experian.com website
5- EarnIn is not a bank. Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details.
6- Paid Testimonial. Compensation was provided for this testimonial, but the statements reflect a real EarnIn experience.
EarnIn: Why Wait for Payday? Screenshots
Reviews for EarnIn: Why Wait for Payday?
James Tribble
12/29/2025
Great app! loans you money when you need it without all the hassle and strict requirements. Borrow money, then pay it back when you can.
John Cronin
12/29/2025
this is good and bad. yes it is how it should be. we should not have to worry about money or if we get to eat tonight, we work, we eat.
Quinton Favre
12/28/2025
This is possibly one of the best platforms out there. I'm impressed and it has helped me in a pinch a few times. Quick to set up and if you have a paycheque you get access to extra money. Just pay it back when you get paid and you've got a steady flow of cash. Plus great offers for cashback, instant cash in the tip jar for games, and various tools for the financially conscious.
LL H
12/28/2025
Works great until it doesn't. Don't send your paycheck to it. Connectivity is sketchy at best. The reconnect and hoops you jump through for Their tech issues are ridiculous. When it works it's great when it doesn't it definitely doesn't and leaves you high and dry. And I've contacted support. They are useless. Over a week now and no help. WORST APP! RUN!
Nichole Gooden
12/28/2025
does it work with chime?
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