Get into the giving spirit by spreading good cheer through small acts of kindness, compassion, and charity.
Earnin is building a financial system that works for people, and that doesn't include working with debt collectors.
Introducing Health Aid, a new Earnin tool that negotiates unpaid medical bills for you without charging mandatory fees.
Fighting against overdraft fees is just one way Earnin helps people make good decisions when they’re managing their money.
Earnin started in 2013 with a mission to build a financial system that works for all people. We’re guided by a commitment to put people first, a model that allows people to pay what they choose, and a community that supports each other.Â

Learn how cash advances work, the pros and cons, and smart alternatives to avoid high fees or debt traps. Understand risks and make better money decisions.