Financial Wellness through
Earned Wage
Access (EWA)










Earnin is a comprehensive financial wellness platform that helps people take control of their money, starting from when they earn it.
For employers, Earnin offers a secure, zero-cost and zero-integration program that allows employees access to their paycheck ahead of payday quickly and easily - with no mandatory fees for the employer or employee.
INCREASE
RETENTION
Say Earnin has increased their motivation at work knowing they can get paid before payday*
INCREASE
ATTENDANCE
Say Earnin has helped reduce unplanned absences*
INCREASE
FOCUS
Say Earnin has helped pay bills on time and reduce financial stress*
The Problem
Most people get paid every 2-4 weeks, but bills and expenses don’t wait for payday. This mismatch between financial obligations and pay cycles creates a “liquidity gap” for millions of working Americans. This reality means that when workers do not have access to earnings, they are forced to turn to payday loans and cash advances or pay high bank fees. In an era of on-demand services and technology, employee expectations have changed and they expect their pay to be available as they earn them.
The Solution
The solution is empowering workers to access their pay without the traditional 2-4 week wait. Earned Wage Access (EWA) solves this problem by freeing workers from employers’ payment cycles, giving workers access to their money right after they have worked. Adding EWA to financial wellness offerings enhances the overall employee experience, increasing retention and enhancing recruiting efforts.
Solving today’s paycheck challenge: how businesses can make a difference
Earnin is as easy for you as it is for your employees.
Earnin is a comprehensive financial wellness platform that aims to help people take control of their money, starting from when they earn it. Our solution helps improve retention and recruitment, provides a compelling, no cost financial wellness benefit, and empowers stronger financial futures for employees.


Earnin’s proprietary, one-of-a-kind approach requires zero-integration. That means you can launch your financial wellness program in days vs months. Employers also benefit from:
- Zero cost as Earnin is a voluntary benefit
- Zero integration needed with an employers’ payroll/time and attendance
- Zero effort from HRIS/IT resources
- Zero change to existing business processes
- Zero risk as Earnin funds 100% of the cash
Already used by employees in over 50,000 organizations across the US, from small businesses to Fortune 100 companies, Earnin has performed 130 million transactions and provided access to over $10 billion in earnings for its members.

How Earnin Works
Good for employees:
Allows early access to earned wages when they need it
Helps avoid overdraft fees, late fees and resorting to expensive payday loans
Helps reduce stress caused by financial challenges which can impact their physical and mental health
Helps increase flexibility by giving works another option on when and how they receive pay
Great for businesses:
Can give employers a new benefit to help improve attendance and productivity
Can help companies employ HR strategies to differentiate during recruitment and retention processes
Can help improve worker engagement, which can improve productivity and build loyalty,
Can help improve your financial wellness offering
Join top companies that trust Earnin to empower stronger financial futures for their employees.






We had taken a look at several companies and Earnin was the only one that didn't require an integration with payroll or our scheduling system. Earnin was by far the easiest company to implement.
Deanna Keppel, Director of Support Services Assisting Hands
Superior Service and Support

Turnkey Program
We provide everything you need to launch and promote your Earnin program - including customized marketing materials for your employee and internal communications channels.
Dedicated Support
Your dedicated partner success manager will help you measure the impact of your program and provide ongoing support for future promotions. All employee support is handled directly through Earnin - no additional support from your team needed.
Commitment to Privacy
Privacy and security are top priority. We securely connect to employee bank accounts and we never sell personal or employment information.⁷
Book a Demo
for Your Company
Learn how you can make EWA part of your competitive advantage today.
The reason why I like Earnin so much is because they’re responsible to consumers. They’re really responsible in addition to meeting the [BBB’s] eight standards and operating in a transparent manner.
Steve McFarland, President and CEO of the Better Business Bureau of Los Angeles and Silicon Valley