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Community-Driven
Financial Fairness

FAIRNESS WOULD BE:

Access to our pay right after we've worked.

FAIRNESS WOULD BE:

Choosing what to pay instead of flat fees.

FAIRNESS WOULD BE:

Access to healthcare at a reasonable cost.

Dropdown Carrot

We're fighting unfairness in the financial system.

We're building a platform of community-supported products to inspire fairness across the financial world. The Earnin app allows people to reject the current system in order to get to a better place financially. These are the problems we're solving:

The pay cycle holds back our money.
The pay cycle holds back our money.
Overdraft fees and penalties are unfair.
Overdraft fees and penalties are unfair.
Medical bills are putting us in debt.
Medical bills are putting us in debt.
We all need more ways to find extra cash.
We all need more ways to find extra cash.
Cashout

Cash Out

Control of and access to your pay as soon as you've worked with no fees, interest, or hidden costs. Cash out your earnings anytime you want.

  • Cash out up to $100 per day to access the money you've already earned.
  • Pay what you think is fair.
  • When your paycheck is direct deposited, Earnin will deduct the amount you cashed out.
Cashout
Balance Shield

Balance Shield

Protection from overdrafts by ensuring you always have money in your account.

  • Set up an automatic cash out of up to $100 if your bank balance falls below $100.
  • No fee for one-time overdraft protection, tip $0!
  • For regular Balance Shield Cash Outs, set a recurring tip amount of $1.50+, and adjust that amount at any time. 
  • Separately, set up alerts to be notified if your bank balance falls below an amount you select, between $0 to $400. Alerts are free.
Balance Shield
Health Aid

Health Aid

Better options for paying your medical bills. Submit your medical bills so Earnin can negotiate for a lower total or payment terms that work with your budget.

  • Submit photos of your medical bill and authorize your Health Aid agent to negotiate on your behalf.
  • Select from the options provided in your personalized Health Aid report.
  • Pay what you think is far.
Health Aid
Cash Back Rewards

Cash Back Rewards

Enroll your card and shop or dine at participating local businesses. Earn extra cash automatically and cash out at any time. Your money will transfer directly to your bank account.

  • Earn 1 - 10% cash back using your card at 1000s of local stores and restaurants.
  • Swipe your card and ask to run it "as credit" then sign rather than enter your PIN.
  • Cash out your rewards at any time, and see your money arrive in your bank account immediately.
Cash Back Rewards

Earnin is Community-Supported

Choose what you pay

Choose What You Pay

With Earnin, there are no fees or interest. We all choose what to pay to support the service. This is a radical change from the way the American financial system typically functions.

Choose what you pay
Pay it forward

Pay It Forward

The world is a better place when we all help each other out. With Earnin’s services, people choose what to pay. Sometimes it’s more, sometimes it’s less. And sometimes community members pay it forward to support each other.

Pay it forward

Meet Our Community

Colene
Colene

“Earnin reached out to each of my medical providers and came up with reasonable payment offers which were really helpful. I would completely go through them again in the future and highly recommend them to anybody looking to get some support and help.”

Itzel
Itzel

“The first time I used Earnin was to help with overdrafting. I knew the money was going to come through the same day and I wouldn’t be charged the $35 fee. The first time I had the Balance Shield to protect me was just fantastic, it was the biggest sense of relief. It’s worked great ever since, and it’s really helped me a lot.”

Ryan
Ryan

“I realized I only needed a couple hundred bucks to cover all of my bills. I can't explain the relief I felt knowing I can take out my already earned income and pay what I think is fair back to Earnin. It sounded way too good to be true when I first downloaded the app two years ago. However, they have been true to their mission statement since day one.”

Carla
Carla

“I am Earnin’s biggest fan! I can count on the app for emergencies. I also love that if my bank drops to $100, I get an automatic deposit from Earnin Balance Shield. It’s easy to use and quick to deposit. Plus, I can take out a little, or the max. Way to go Earnin!”

Meet Our Community

Colene
Colene

“Earnin reached out to each of my medical providers and came up with reasonable payment offers which were really helpful. I would completely go through them again in the future and highly recommend them to anybody looking to get some support and help.”

Itzel
Itzel

“The first time I used Earnin was to help with overdrafting. I knew the money was going to come through the same day and I wouldn’t be charged the $35 fee. The first time I had the Balance Shield to protect me was just fantastic, it was the biggest sense of relief. It’s worked great ever since, and it’s really helped me a lot.”

Ryan
Ryan

“I realized I only needed a couple hundred bucks to cover all of my bills. I can't explain the relief I felt knowing I can take out my already earned income and pay what I think is fair back to Earnin. It sounded way too good to be true when I first downloaded the app two years ago. However, they have been true to their mission statement since day one.”

Carla
Carla

“I am Earnin’s biggest fan! I can count on the app for emergencies. I also love that if my bank drops to $100, I get an automatic deposit from Earnin Balance Shield. It’s easy to use and quick to deposit. Plus, I can take out a little, or the max. Way to go Earnin!”

75%

75% of customers report fewer work absences due to Earnin Cash Out helping cover gas costs

Four And A Half Stars

4.6/5 App Store and Play Store Rating | 146K+ Reviews

15M

Community members have paid
it forward over 15 million times.

Earnin Security

Security Is a Top Priority at Earnin

checkmarkData Encryption

We use 256-bit data encryption to keep your data secure.

checkmarkPrivacy

We are compliant with US privacy and data security laws.

checkmarkSecure Login

We never store your bank login credentials.

Earnin Security