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 By breaking down the barriers of an outdated financial system, we’re building new solutions that actually work for everyone.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

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

What Earnin members
experience after using Earnin:

67% of members

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

Gas

Gas

Groceries
or Food

Groceries or Food

Avoiding
Overdrafts

Avoiding Overdrafts

Utility Bills

Utility Bills

Emergency

Emergency

Rent

Rent

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.

Helpin

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
Play Hear from Earnin Community
Hear from Earnin Community
Play Helpin Community Comes Together
Helpin Community Comes Together
Play 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.

LEARN MORE

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.ing 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
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.

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
MORE EARNIN NEWS

Creating ethical standards in finance.

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

Play
Earnin
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:

  1. Bring clarity to
    the EWA space.

  2. Protect
    consumers’ interests.

  3. Ensure all EWA
    providers play by the same rules.

  4. Serve companies
    both large and small.

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

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

Rebuilding the Middle Class
Overcoming Financial Obstacles.

Earnin
Earnin
Earnin
Earnin
Earnin

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 Play
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 are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Other restrictions and/or third party fees may apply. 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.

7Learn how we collect and use your information by visiting our Privacy Policy.

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.
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