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 By breaking down the barriers of an outdated financial system, we’re building new solutions that actually work for everyone.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.¹

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.

Member Guillermo's take on tips
(2:10”)

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.

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

What Earnin members
experience after using Earnin:

save $58/month

by avoiding overdraft fees

saw an increase

in their ability to pay bills on time

say having earnin

helped reduce financial stress during COVID-19

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

Gas 50 percent

Gas50 percent

Groceries
or Food 75 percent

Groceries or Food75 percent

Avoiding
Overdrafts 41 percent

Avoiding Overdrafts41 percent

Utility Bills 45 percent

Emergency 30 percent

Rent 36 percent

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.

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.

VISIT OUR FACEBOOK GROUP

Hear from Earnin Community

Helpin Community Comes Together

The Earnin Movement: A Better Place The Earnin Movement: A Better Place

Rental assistance

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.

84% REDUCED FINANCIAL STRESS

during Covid-19.

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.ing 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.

MORE EARNIN NEWS

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.

MORE EARNIN NEWS

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.

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

Rebuilding ther Middle Class
Overcoming Financial Obstacles.

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.

MORE ABOUT EARNIN

We work to better ourselves and the rest of humanity.

Captain Jean-Luc Picard, Star Trek

¹Earnin 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.

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.

³Disclaimer: 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.

⁴Source: Internal analysis conducted by Earnin on December 10, 2020.

¹Restrictions on use of Services and/or third party fees may apply, see Earnin.com/TOS 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/TOS.

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/TOS 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 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.

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/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.

1. 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.

1. Disclaimer: 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.

Our impact

We don’t charge mandatory fees—period.1

Empowering everyone with financial control.

What Earnin members experience after using Earnin:

save $58/month

saw an increase

say having earnin

can now afford

Access when members need it most.