Cash Out

The most loved way to get paid as you work
  • Transfer up to $100/day, up to $750/pay period, to a linked bank1
  • No interest, no credit check, no mandatory fees2
  • Over 19 million downloads — and counting

Early Pay

Get your paycheck up to 2 days early in your bank
  • Get your pay up to 2 days earlier (or sooner)3
  • No need to switch your bank
  • Your money, your speed

Balance Shield

The stress-free way to protect your bank balance
  • Help avoid overdraft fees and low balances
  • Stay in the loop with real-time notifications
  • Turn on optional auto-transfers of $1005

Credit Monitoring

Get moving on your credit goals
  • See your Vantage Score 3.0® by Experian®6
  • Stay on track and get ahead of surprises
  • Did we mention it’s free?

Tip Yourself

Effortlessly save with every paycheck7
  • Save every time you get paid
  • Turn it off or on at any time
  • No-cost, FDIC-insured
App Store Logo
4.7
(263k+ reviews)
App Store Logo
4.7
(242k+ reviews)
Reviews and ratings as of 8.1.24
460k+
5-star review
19M+
app downloads
A calendar highlighting a specific day with bank notes lying to the side

Cash Out

Get your money as you work

Transfer up to $100/day, up to $750/pay period, to a linked bank account.1
Yellow notes put inside an envelope

Early Pay

Cash in on an early paycheck

No need to switch banks. Your direct deposit lands in your existing account up to 2 days early.4
A shield with dollar sign on it, surrounded by coins floating around

Balance Shield

Give your bank balance a buffer

If your account reaches overdraft range, you’ll automatically get a notification and an (optional) top-up of $100.5

Credit Monitoring

Track your credit score for free

Your VantageScore 3.0® by Experian® is just a tap away. Take the first step in getting your credit where you want it to be.6
A piggybank-like tip jar full of banknotes and coins

Tip Yourself

Save without a second thought

Grow your money effortlessly with instant transfers when you get paid. Set it, forget it, and don’t be surprised when you ace your goals.7
Live everyday your way
EarnIn is here to get your money moving for today and tomorrow. So you can stress less and live more.
Celebrate a birthday or an anniversary (or both)
Take care of monthly bills before they're due
Get the full tank of gas to fuel your whole week
Make sure the kids are set for the season ahead
Grab groceries plus a few things not on the list
A text card written "Interest", "Membership Fees", and "Credit Check" thrown away in a bin

More access, less cost

We do not charge mandatory fees or interest, and we don't run your credit.
Quick answers to great questions
Is this legit? How does EarnIn offer this at no cost?
But, why?
How secure is it?
How do I get in touch?
Always safe, always secure
We use the latest in security technology to keep your data protected. And we never sell your personal information — period.
And we’re here for you 24/7
We strive to respond to your questions in less than 60 seconds. But we’re always working to beat our record...
Make the most of your money