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Life doesn't happen biweekly — neither should payday¹

Then verify your identity and employment.

Access your money as you work

Transfer up to $150/day, with a max of $1,000 between paydays to your bank.¹

No interest and no mandatory fees²

Any earnings & optional tips are repaid when your paycheck hits.⁴

Why do people love EarnIn?

With millions of customers, this is what people say they love most.

Don't wait weeks for payday

Get money in your bank in minutes with Lightning Speed² for a small fee, or in 1-3 business days at no cost.

Pay your bills on time

EarnIn can help you save money, cover surprise expenses, and pay bills on time.

Get support when you need it

We strive to respond to your questions in less than 2 minutes.⁵ But we're always working to beat our record...

A simple, no-hassle way to get paid when you need to

Optional tips, not mandatory fees

EarnIn accepts tips⁴, not mandatory fees. You have the choice to pay what you think is fair (even $0) when you cash out¹. And if you need your money within minutes, you can expedite the transfer for a small fee².

Convenient app

Transfer money quickly and easily from the iOS or Android app on your phone.

No credit check

Your credit stays untouched. Get paid without worrying about hard or soft inquiries impacting your score.

See what our customers say about EarnIn

"I feel like EarnIn is looking out for you...They're also helping long-term so that you're not staying in debt." ⁶

Angela T.

"If I'd need to buy groceries or something for my son–for school projects, clothes, whatever–you just spin the wheel, hit the button, and the money's there." ⁶

Jason C.

"Due dates and pay dates don't always come together, so EarnIn really helps." ⁶

Eric M.

FAQs

Why does EarnIn need my bank information?

Connecting your bank account allows EarnIn to do its thing: deposit money, verify your identity, see your direct deposit history, and calculate your earnings.

Do I have to have a full-time job to qualify?

No. But you'll need a consistent pay schedule and to make at least $320 every pay period to use EarnIn.

How does accessing my earnings work?

When your employer paycheck lands in your linked bank, any earnings, tips, and fees are debited from your linked bank. You'll also notice your earnings start ticking up again once your paycheck lands. Your earnings will continue to tick up until you reach your Pay Period Max.

How much do I get when I sign up?

Qualified Community Members get access to $85 on average when signing up, but the amount can vary from $0-$150 depending on various factors.

How long does it take to see a higher pay period Max?

Qualified customers get $50-$250 on average when signing up. Your pay period Max is evaluated each pay period. Most customers receive a Pay Period Max increase within their first two pay periods. Good financial habits, such as keeping a positive bank balance and managing spending, contribute to Pay Period Max increases. The Pay Period Max is capped at $1,000.