We’re building a financial system for the people, by the people.

Earnin
Earnin Earnin CEO Ram Palaniappan: How We Started
Earnin CEO Ram Palaniappan: How We Started

Earnin was born out of a clear need to change a financial system that leaves millions of people behind.

The two-week pay cycle doesn’t work.

Waiting for payday is costing people billions.

Yesterday’s financial system is built on the premise that employees get paid after they’ve already put in the work. We believe you should be able to access your hard-earned money right when you earn it.

Learn about Cashout

Saving money should be more rewarding.

It can take years to earn just pennies in interest with traditional savings accounts, making it even harder to get ahead. We believe in making saving more fun by offering cash rewards for good habits.

Learn about WeWin

Waiting for payday
is costing people billions.

Yesterday’s financial system is built on the premise that employees get paid after they’ve already put in the work. We believe you should be able to access your hard-earned money right when you earn it.

Learn about Cashout

Saving money
should be more rewarding.

It can take years to earn just pennies in interest with traditional savings accounts, making it even harder to get ahead. We believe in making saving more fun by offering cash rewards for good habits.

Learn about WeWin
Earnin Earnin

We’re changing money
for the better—together.

Earnin is helping people everywhere take control of their money. We are here to serve our members and empower them to build stronger financial futures. We started with Cashout, and have added even more ways to make your money work for you.

Earnin

Earnin all across America.

App openings today

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Powered by the strength
and diversity of our community.

From teachers and nurses to fast food employees and military personnel, we exist to help our members achieve greater financial confidence and independence.

Earnin
Earnin Hear from Earnin Community
Hear from Earnin Community
Earnin The Earnin Movement: A Better Place
The Earnin Movement: A Better Place
Earnin Earnin Community Member Spotlight: Kwam Green
Earnin Community Member Spotlight: Kwam Green

We run on tips.

We’ll never charge you a fee. If you like the service,
simply tip what you think is fair.

Earnin

Choose if and how much you want to tip when you Cashout. Maximum tip is $14, minimum tip is nada.

Earnin

Tips keep Earnin running so more members can continue to Cashout when they need to.

Earnin

Any Cashout or tip amount is deducted from your bank account—after your paycheck comes through.

The impact in our community.

CAN COVER AN EMERGENCY

of $400 since using Earnin.

Source: Internal Earnin analysis, January 2021

CAN BUDGET BETTER

and more effectively with Earnin.

Source: Internal Earnin analysis, January 2021

CAN NOW PAY BILLS

on time with help from Earnin.

Source: Internal Earnin analysis, January 2021

CAN BUDGET BETTER

and more effectively with Earnin.

Source: Internal Earnin analysis, January 2021

CAN NOW PAY BILLS

on time with help from Earnin.

Source: Internal Earnin analysis, January 2021

CAN COVER AN EMERGENCY

of $400 since using Earnin.

Source: Internal Earnin analysis, January 2021

1Restrictions and/or third party fees may apply,, see Earnin.com/TOS for details.

2Disclaimer: 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 Earnin.com/TOS.

3NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

4Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

5Source: Internal analysis conducted by Earnin on December 10, 2020.

1Restrictions on use of Services and/or third party fees may apply, see Earnin.com/TOS for details.

2Balance 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 Earnin.com/TOS.

3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee service. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

1Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

2Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

3Balance Shield cash out is subject to your available earnings and your daily pay period max. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

4NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit WeWin Game & Sweepstakes Official Rules. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

5Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. 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. For more information/details visit Earnin.com/TOS.

6Up to two days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

7Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is less. The 80% is dependent on you routing your full paycheck to Earnin Express. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

8Learn how we collect and use your information by visiting our Privacy Policy.

1Disclaimer: Restrictions and/or third party fees may apply, see Earnin.com/TOS for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

2Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details

3Disclaimer: Community Member must have had at least 1 successful debit with Earnin. Limit to 1 Max Boost per pay period. A boost will not adjust a Community member's daily max. Restrictions may apply, see Earnin.com/TOS for more details

*Disclaimer: Balance Shield Cash Out is subject to your available earnings and daily pay period max.Other restrictions and/or thirdparty fees may apply. For more information visit Earnin.com/TOS

1Restrictions may apply, see Earnin.com/TOS for more details. Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. 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. For more information/details visit Earnin.com/TOS

2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.Earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

3Disclaimer: Restrictions Apply. See Earnin.com/wewin/pool-rules/ for more information

*Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

**Disclaimer: Restrictions and/or third party fees may apply, see Earnin.com/TOS for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

*Survey conducted in February 2020 with 889 participants.

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