Earnin
Earnin

Our impact

We’re on a mission to improve money for all. By breaking down the barriers of an outdated financial system, we’re building new solutions that actually work for everyone. See how we’re creating change through radical technology that puts people first.

We don’t charge mandatory
fees—period.

Instead, members can use our products free of charge and tip what they want. Tipping is entirely voluntary, just an option for members who want to show their support.

Empowering everyone with
financial control.

It’s simple—everyone should have control of the money they earn. The Earnin app is designed to empower people of all backgrounds and circumstances.

Earnin The Earnin Movement: Paying It Forward (5:21”)
The Earnin Movement: Paying It Forward (5:21”)

What Earnin members
experience after using Earnin:

Earnin

save $58/month

by avoiding overdraft fees

Earnin

saw an increase

in their ability to pay bills on time

Earnin

say having earnin

helped reduce financial stress during COVID-19

Earnin

can now afford

a $400 emergency when they
previously couldn’t

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

Access when members
need it most.

Cash Out helps Earnin members have more financial peace of mind by giving them control of their money starting from when they earn it.

What people use Earnin for

Earnin
Gas
Gas
Earnin
Groceries
or Food
Groceries or Food
Earnin
Avoiding
Overdrafts
Avoiding Overdrafts
Earnin
Utility Bills
Utility Bills
Earnin
Emergency
Emergency
Earnin
Rent
Rent
20.00%
40.00%
60.00%
80.00%

Respondents (%)

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

Our community is
stronger together.

See how Earnin is partnering with our members and the community at large to create change.

Earnin

From crowdsourcing hotel rooms for people experiencing homelessness to traveling across state lines just to lend a helping hand, the Helpin Facebook group is a small reminder that when the going gets tough, the Earnin community is all in this together.

Earnin
Earnin Hear from Earnin Community
Hear from Earnin Community
Earnin Earnin Community Member Spotlight: Kwam Green
Earnin Community Member Spotlight: Kwam Green Earnin
Earnin The Earnin Movement: A Better Place The Earnin Movement: A Better Place
Earnin

Rental assistance

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In 2020, the City of Cupertino partnered with Earnin to distribute rental assistance to eligible Cupertino renters affected by the negative financial impacts of COVID-19.

Earnin
84% REDUCED FINANCIAL STRESS

during Covid-19 2

March 10, 2021

Voter registration

Ahead of the 2020 election, Earnin partnered with When We All Vote, a nonprofit, nonpartisan organization on a mission to increase participation in every election and close the race and age gap.

February 17, 2021

Census engagement

Through our partnership with the National League of Cities, we worked to encourage community members to fill out their census surveys to unlock federal funding for their community.

August 21, 2020

COVID-19 study

Earnin partnered with Opportunity Insights, a nonprofit, nonpartisan organization based at Harvard University, to provide an understanding of COVID-related employment trends across the country.

March 10, 2021

Voter registration

Ahead of the 2020 election, Earnin partnered with When We All Vote, a nonprofit, nonpartisan organization on a mission to increase participation in every election and close the race and age gap.

READ MORE

February 17, 2021

Census engagement

Through our partnership with the National League of Cities, we worked to encourage community members to fill out their census surveys to unlock federal funding for their community.

READ MORE

August 21, 2020

COVID-19 study

Earnin partnered with Opportunity Insights, a nonprofit, nonpartisan organization based at Harvard University, to provide an understanding of COVID-related employment trends across the country.

READ MORE

Creating ethical
standards in finance.

See why Earnin was awarded an A rating by the Better Business Bureau.

Ethical Finance (5:09”)

We are advocates for
Earned Wage Access.

As the first industry providers of Earned Wage Access, we advocate for it because we believe people should have access to their pay as they earn it - no matter the size of the company. We are committed to working constructively with state and federal regulators and believe new regulations should:

Bring clarity to
the EWA space.

Protect
consumers’
interests.

Ensure all EWA
providers play by
the same rules.

Serve companies
both large and
small.

Hear why Senator Baucus thinks
it's time to rethink payday.

Earnin
Earnin Max Baucus / Former United States Senator (5:09”)
Max Baucus / Former United States Senator (5:09”)

We believe in people helping people.

Every Earnin product is based on the idea that we can all benefit in a world where people look out for each other.

Earnin

We work to better ourselves and the rest of humanity.

Captain Jean-Luc Picard, Star Trek

1Disclaimer: 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.

2Disclaimer: 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/TOS.

3NO 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/. 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.

4Disclaimer: Up to 2 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.

5Source: Internal analysis conducted by Earnin on December 10, 2020.

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.

1Lightning 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.

4NO 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 WeWin Game & Sweepstakes Official 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.

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 earnin.com/tos.

6Up 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.

7Your 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.

8Learn how we collect and use your information by visiting our Privacy Policy.

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

*Disclaimer: Balance Shield Cash Out is subject to your available earnings and daily pay period max.Other restrictions and/or thirdparty fees may apply. For more information visit earnin.com/tos

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

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

*Disclaimer: Up to 2 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.

**Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/tos 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.

*Survey conducted in February 2020 with 889 participants.

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