

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 By breaking down the barriers of an outdated financial system, we’re building new solutions that actually work for everyone.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.
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.
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
Gas50 percent
Groceries or Food75 percent
Avoiding Overdrafts41 percent
Utility Bills 45 percent
Emergency 30 percent
Rent 36 percent
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.

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.
Creating ethical standards in finance.
See why Earnin was awarded an A rating by the Better Business Bureau.
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.
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.
We work to better ourselves and the rest of humanity.
Captain Jean-Luc Picard, Star Trek