FAIRNESS WOULD BE:
Community-Driven
Financial Fairness
Access to our pay right
after we've worked.
Choosing what to pay
instead of flat fees.
Access to healthcare
at a reasonable cost.

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:
Cash OutThe pay cycle holds back our money.
Balance ShieldOverdraft fees and penalties are unfair.
Health AidMedical bills are putting us in debt.
Cash BackWe all need more ways to find extra cash.

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 choose (even $0).
  • When your paycheck is direct deposited, Earnin will deduct the amount you cashed out.

We’ll debit your bank account on your next payday. Please note that we are not responsible for any bank, or third-party fees that you may be charged if there are insufficient funds in your account.

Earnin is Community-Supported

Choose What You Pay

With Earnin, there are no fees or interest. We all choose what to pay to support the service — it could even be $0. This is a radical change from the way the American financial system typically functions.

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.

Meet Our Community

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.
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
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
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
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
4.6/5 Stars
4.6/5 App Store and Play Store Rating | 146K+ Reviews
15M
Community members have paid it forward over 15 million times.

Security Is a Top Priority at Earnin

check mark Data Encryption

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

check mark Privacy

We are compliant with US privacy and data security laws.

check mark Secure Login

We never store your bank login credentials.