• image of a user opening EarnIn application on a mobile phone
    The most loved way to get paid as you work1
    No hard or soft credit check
  • image of a user walking happily
    Get instant access to up to $100/day
    No interest, no mandatory fees
  • image of a user carrying their kids while using EarnIn web application on a laptop
    Track your credit score for free
    Jumpstart your credit goals
  • image of a user opening EarnIn application on a mobile phone while considering to buy an item
    No interest or mandatory fees
    No cost to access what you’ve earned
  • image of a person smiling to another person
    Money at the speed of you
    Get your money within minutes of earning it*
Download on the App Store
App Store Rating 4.7
(262k+ reviews)
Download on the Play Store
Play Store Rating 4.6
(222k+ reviews)
Reviews and ratings as of 12.1.23
4.4M+
EarnIn members
380k+
5-star reviews
30M+
app downloads
Cash out
Make every day payday
Phone bill? Pizza night? Get access to up to $100/day [up to $750/pay period] — whenever you need. Plus the option to access even more as you go.1
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Lightning speed
Transfer to your bank — instantly
Get your money in minutes with optional Lightning Speed transfers. Not exactly magic, but also not not magic.2
Lightning speed illustration
Credit monitoring
Tap into your free credit score
See where you're at and gain confidence in where you're headed with free access to your VantageScore 3.0® by Experian®.3
Credit monitoring illustration
balance shield feature illustration
Balance Shield
Stay one step ahead of overdrafts
Get instant alerts and an automatic Cash Out when your bank balance falls below the limit you set.4
tip jar illustration
Tip Yourself
Make real progress on your goals
Automatically save for your next big thing — from a shiny new phone to a place of your own.5
Live every day your way
EarnIn is here to get your money moving for today and tomorrow. So you can stress less and live more.
Take care of monthly bills before they’re due
Celebrate a birthday or an anniversary (or both)
Get the full tank of gas to fuel your whole week
Make sure the kids are set for the season ahead
Grab groceries plus a few things not on the list
More access, less cost. We do not charge mandatory fees or interest, and we don't run your credit.6
No mandatory fees
Quick answers to great questions
Is this legit? How does EarnIn offer this at no cost?
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EarnIn runs on optional tips — not unnecessary fees. Simply add what you think is fair (even $0) when you transfer money out.1

Need your money even faster? Transfer in minutes for a small fee via Lightning Speed, or get it at no cost in 1 - 3 business days via standard speed.
But, why?
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We believe hard work deserves same-day pay. Because you shouldn’t be stuck waiting for what you’ve earned. It’s simple: When your money moves more freely, so can you. More about our mission, here
How secure is it?
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We use the latest in security technology to keep your data protected. And we never sell your personal information. Period. For more information please visit Privacy Policy.
How do I get in touch?
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Questions? We're here for you 24/7. Chat with your EarnIn Care Team directly in the app.
Every day payday is easy
As easy as download. 😉

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

2Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank. Restrictions and/or third party fees may apply, see Cash Out User Agreement for details

3Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Learn more: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf

4Balance Shield cash out is subject to your available earnings, Daily Max and Pay Period Max. Other restrictions and/or third-party fees may apply. For more information visit EarnIn.com/TOS

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 https://www.earnin.com/evolve-bank-and-trust

6EarnIn does not charge hidden fees for use of its services. EarnIn does not charge interest on Cash Outs. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details

Download on the App Store
4.7 +189K ratings
Download on Google Play
4.6 +200K ratings