Blog

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.

Earnin Financial Tips

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.

Earnin Financial Tips

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.

Earnin Financial Tips

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.

Earnin Financial Tips

March 1, 2019

Getting To A Better Place

Today, 78% of working Americans are living paycheck to paycheck and over 40% of Americans don’t have $400 for an emergency expense.

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March 1, 2019

For The Love of Money

“I’m only 25 and I’m still shaping my life. It’s just been a bad cycle, to pay my bills and go to sleep but I’ll be able to do bigger things now.”

— Patrick Ryan

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June 15, 2021

How to Set Short Term Financial Goals

It’s important to set short-term financial goals, like changing spending habits or saving for something specific, to set yourself up for long-term success.

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January 14, 2020

Break Out of Your Bad Financial Habits

See strategies that can help you escape bad financial habits and debt spirals so you can move forward.

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June 29, 2021

8 Tips For Paying Off Student Loans Quickly

If you’re exploring how to pay off student loans as quickly as possible, tips include claiming tax deductions, refinancing, and loan forgiveness.

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April 11, 2019

Everyday Fees You Should Be Avoiding

To help our community members save more of their hard-earned money this year, we're sharing three quick tips to help you avoid unnecessary fees.

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February 13, 2020

The Lifecycle of Love and Money

Relationships blossom over time. Here’s how to handle money throughout a relationship, whether you’re dating, committed, or married.

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April 24, 2019

Rising Gas Prices Hurting Your Budget? Here Are Some Tips

To help fill up our tanks -- as well as our wallets -- below are 4 great tips we can use to help pay for gas or even get our next round for free.

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January 6, 2020

How to Make a New Year’s Resolution You’ll Stick To

Find out how to make a New Year's resolution the right way so that you'll stick to it for the rest of the year and beyond.

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February 11, 2019

Financial Tips From a Working Actress

If you want to know how to pursue your dreams and live a financially healthy life, look no further than Carla Wadell.

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February 19, 2019

Going Broke for Love

"I never had to learn how to be an adult until after I left the army. Suddenly, I went from making good money to nothing." — Ryan Duffee

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November 12, 2020

Living Paycheck to Paycheck? 7 Tips for Avoiding Extra Fees

Fees like maintenance, ATM, and overdraft fees can be a burden if you live paycheck to paycheck, but you can avoid them with helpful strategies.

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November 5, 2020

Is Overdraft Protection Worthwhile?

Overdraft protection enables transactions to complete when you have insufficient funds, but it has benefits and drawbacks to consider before opting-in.

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October 22, 2020

What to Do If You Need Cash Quickly

If you’re in a tight financial spot and need cash quickly, your options include using Earnin, working odd jobs, selling possessions, and more.

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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.