Earnin

Make Any Day Payday

Access up to $100 per day from the pay you've already earned, without hidden fees or interest.

300K+ ratings

We're rethinking the financial system

We're building innovative tools to empower community members to reach financial goals and to make society better.

The pay cycle holds back our money.

Overdraft fees and penalties are unfair.

We could all appreciate ways to get extra cash.

Cash Back Rewards

Enroll one or more cards, then shop and dine at partnered businesses. Earn extra cash automatically and cash out when you want. Your money will transfer directly to your bank account.

Earn 1 to 10% cash back by using your card at thousands of national stores and restaurants.
Swipe your card and ask to run it "as credit" then sign rather than entering your PIN.
Cash out your cash rewards anytime, with no minimum accrual required.*

*By using Cash Back Rewards (powered by Empyr) you allow participating merchants and/or card networks details of your transactions. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. For more information, see our Terms of Service.

Cash Out

Access your pay as you earn it. It's not "free" money, it's your money -- without waiting for your employer's payday.

Cash out up to $100 a day and up to $500 per pay period of your earnings.*
Tip what you feel is fair to use the service (even $0).
When your paycheck is direct deposited, Earnin will deduct the total amount you cashed out plus tips.

*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. Individual maxes may vary. Other restrictions may apply. See our Terms of Service for more details.

Tip Yourself

An easy, fun and free way to start saving money in the Earnin App.

Create a Tip Jar for your savings goal, such as a rainy day fund.
Reward your everyday wins, like working out or eating healthy, by putting a few bucks in your Tip Jar.
Share your reason for saving to inspire community members like yourself.

*Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. Restrictions and/or third party fees may apply, see our Terms of Service for more details.

Balance Shield

Helps you monitor your bank account balance so you can reduce your chances of overdrafting.

Set up an automatic Balance Shield Cash Out of up to $100 if your bank balance falls below $100.*
Balance Shield Cash Outs will need to be turned on manually after each Balance Shield Cash Out. To keep Balance Shield Cash Out always on, set a tip of $1.50+.
Set up a free Balance Shield Alerts to be notified when your Bank Account falls below an amount that you set ($0-$400) with no fee or charge to use.

*Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit our Terms of Service. Minimum tip is to automate the service and may be turned off at any time. Tips are not required in order to use the Cash Out service.

Cash Back Rewards

Enroll one or more cards, then shop and dine at partnered businesses. Earn extra cash automatically and cash out when you want. Your money will transfer directly to your bank account.

Earn 1 to 10% cash back by using your card at thousands of national stores and restaurants.
Swipe your card and ask to run it "as credit" then sign rather than entering your PIN.
Cash out your cash rewards anytime, with no minimum accrual required.*

Cash Out

Access your pay as you earn it. It's not "free" money, it's your money -- without waiting for your employer's payday.

Cash out up to $100 a day and up to $500 per pay period of your earnings.*
Tip what you feel is fair to use the service (even $0).
When your paycheck is direct deposited, Earnin will deduct the total amount you cashed out plus tips.

Tip Yourself

An easy, fun and free way to start saving money in the Earnin App.

Create a Tip Jar for your savings goal, such as a rainy day fund.
Reward your everyday wins, like working out or eating healthy, by putting a few bucks in your Tip Jar.
Share your reason for saving to inspire community members like yourself.

Balance Shield

Helps you monitor your bank account balance so you can reduce your chances of overdrafting.

Set up an automatic Balance Shield Cash Out of up to $100 if your bank balance falls below $100.*
Balance Shield Cash Outs will need to be turned on manually after each Balance Shield Cash Out. To keep Balance Shield Cash Out always on, set a tip of $1.50+.
Set up a free Balance Shield Alerts to be notified when your Bank Account falls below an amount that you set ($0-$400) with no fee or charge to use.

Cash Back Rewards

Enroll one or more cards, then shop and dine at partnered businesses. Earn extra cash automatically and cash out when you want. Your money will transfer directly to your bank account.

Earn 1 to 10% cash back by using your card at thousands of national stores and restaurants.
Swipe your card and ask to run it "as credit" then sign rather than entering your PIN.
Cash out your cash rewards anytime, with no minimum accrual required.*

Earnin is Community-Supported

Choose What You Pay

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

Restrictions and/or third party fees may apply, see our Terms of Service for more details.

Pay It Forward

The world is a better place when we help each other out. By tipping a little extra when they can manage, community members can pay it forward to support Earnin and the Earnin community.

Meet Our Community

Kai

“Like many others, I lived check to check, just trying to survive until the next payday. I’m also a single father of two kids. I decided to give Earnin a try, after always being on hard times... and I must say, I’m so glad I did! I use Earnin for gas, bills, needs for the kids, groceries, and sometimes just to treat myself for working hard from time to time. I’m forever humbled and grateful for Earnin and the support they offer working class people like myself.”

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.”

Crismely

“Earnin completely helped me in a pinch. My husband had limited funds due to being in school and I was at a very low paying job at the time. My car broke down and although we had enough money for our regular bills and emergency money, an extra bill really threw us off. With earnin, I was able to access MY OWN MONEY to help with the cost. Earnin isn’t a loan, it just gives you access to your hard earned money sooner. ”

Kai

Crismely

Kai

Colene

Crismely

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.”

Kai

84%

84% of community members report having Earnin during COVID-19 helped reduce their financial stress

75%

75% of community members say Earnin has helped them be more disciplined with spending habits

Source: Survey conducted Dec. 10th - Dec. 18th 2020 with 1,105 respondents

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Privacy

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Trusted Platform

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