Blog

January 23, 2023

All in on a whole new look

Drumroll please….

A whole new EarnIn is here! (Ok, it’s still us. We’re just looking a little brighter these days.)

March 9, 2023

How to Stop Overspending and Start Saving: A Practical Guide

Learn how to stop overspending and start saving so you can build wealth and position yourself for financial independence.

March 6, 2023

The Benefits Of Same Day Pay For Workers

Imagine working hard all week and then waiting until the next pay period to see the fruits of your labor. It can be a frustrating and stressful experience, especially if you have unexpected expenses or are living paycheck to paycheck. But what if there was a way to get paid on the same day you earned it? Would that make a difference?

Well, this is where same day pay comes in—a service that is revolutionizing the way we receive our hard-earned money.

March 5, 2023

Handle Your Finances More Wisely This Year: How To Manage Money Effectively

Money might not buy happiness, but it certainly offers more freedom and control over your life.

As a young person or recent graduate, learning how to manage money effectively can often be challenging. However, there’s no better time than now to start using your funds wisely.

Think of this as your financial roadmap to success. By working out the right budget for your needs and understanding what financial habits to steer clear of, you can make serious progress this year.

February 17, 2023

Everything You Need To Know About Earned Wage Access

Why wait until payday when you can get instant access to your earned wages instead? Learn why everyone using Earned Wage Access is raving about it.

community EarnIn

December 21, 2022

Advantages and Disadvantages of Credit Cards

Educate yourself on the advantages and disadvantages of credit cards so you can know if it's right for you.

Financial Tips EarnIn

December 20, 2022

Road To a Debt-Free Life: 9 Effective Debt Reduction Strategies

These 9 effective debt reduction strategies will help you reach your goal of becoming debt-free.

Financial Tips EarnIn

November 22, 2022

How to Avoid Debt: Steering Clear of the Debt Trap

Don't let debts catch up with you. Learn how to avoid the debt trap with these seven useful tips.

Financial Tips EarnIn

November 21, 2022

How To Manage Debt: 11 Smart Debt Management Tips

Learn how to manage debt with these eleven simple strategies that can help you repay your debts and get on a better path.

Financial Tips EarnIn

March 10, 2022

Earned Wage Access: Considerations for Policymakers

EarnIn's mission is to build products for a more equitable financial system and a better life.

EWA EarnIn

About EarnIn

EarnIn is an app that gives you access to the pay you've earned - when you want it.

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EarnIn does not charge a hidden or mandatory fee for use of its services. Restrictions and/or third party fees may apply. For more info: visit earnin.com/TOS.

EarnIn is a financial technology company, not a bank. Bank products are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

¹Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs.

²Fees apply to use Lightning Speed. 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.

¹Restrictions on use of Services and/or third party fees may apply, see earnin.com/privacyandterms 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/privacyandterms.

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/privacyandterms for details.

¹Fees may apply to use Lightning Speed. 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.

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.

⁴Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Other restrictions and/or third party fees may apply. For more information/details visit earnin.com/tos.

⁵Up 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.

⁶Your 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.

⁷Learn how we collect and use your information by visiting our Privacy Policy.

¹Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/privacyandterms 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/privacyandterms 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/privacyandterms for more details

^*Disclaimer: 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/privacyandterms

¹Restrictions may apply, see earnin.com/privacyandterms 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/privacyandterms

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

¹EarnIn does not charge a hidden or mandatory fee for use of its services. Restrictions and/or third party fees may apply. For more info: visit earnin.com/TOS.

^*Survey conducted in February 2020 with 889 participants.

* Earnin does not charge hidden fees for use of its services. Restrictions and/or third-party fees may apply. For more info, visit earnin.com/TOS.

¹EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

²Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

³Internal analysis conducted by EarnIn in January 2021, represents total users who Cashed Out at least once from January 1 to December 31, 2020

⁴This research was conducted online by FTI Consulting’s Digital & Insights team, on behalf of Brigit, MoneyLion & EarnIn. FTI Consulting researched n=4,735 of Brigit, MoneyLion and EarnIn’s Direct to Consumer (D2C) Early Wage Access service consumers between the dates of April 21st, 2021 – May 18th, 2021, and results were weighted in equal proportions to ensure equal representation among the consumers of each participating company. Due to the standard convention of rounding, some totals may not add up to 100%

⁵Internal survey conducted in February 2020 with 889 participants.

⁶EarnIn does not charge hidden or mandatory fees for use of its services. Restrictions and/or third party fees may apply. For more info visit earnin.com/TOS

⁷$4.68 ATM fee = $3.02 ATM + $1.66 bank fee https://www.bankrate.com/banking/checking/checking-account-survey/

⁸Internal data June 2022- Dec. 2022.

* EarnIn does not charge hidden fees for use of its services. Restrictions and/or third-party fees may apply. For more info, visit earnin.com/TOS.