EarnIn: Beyond Cash Advance

Get Paid Fast, Early Payday

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PadSplit

Exclusive for PadSplit members

Get access to your pay as you work

Access up to $150/day, with a max of $1,000 per pay period.1

  • Savings Jar reward

    Make your first transfer. We’ll add $25 to your Tip/ Savings Jar.2

EarnIn

PadSplit Members

Why wait for money you've already earned?

3 steps:

  • Sign up free

    Connect your bank and verify your employment. Takes about 3 minutes — no credit check, ever.

  • Access your pay today

    Up to $150 in minutes of money you've already earned.3 Repaid automatically on payday.

  • Get your $25 reward

    Receive $25 when you open and maintain an active Tip/ Savings Jar and complete your first earnings transfer.2

EarnIn

PadSplit Members

Access your pay now

Join millions of people using EarnIn

  • 427K +

    5-star reviews

  • 29M+

    App downloads

  • 4.8Trustpilot

    Trust Pilot

  • Jamison, EarnIn customer since 2020
  • EarnIn helped me feel more in control4
    Jamison,EarnIn customer since 2020
  • Terrance, EarnIn customer since 2023
  • By using EarnIn, I published my first book.4
    TerranceEarnIn Customer since 2023
  • EarnIn helped me actually understand my money.4
    DanielleEarnIn Customer since 2018
  • Danielle, EarnIn customer since 2018
  • It's my money. I'm not borrowing from anyone.4
    KeishaEarnIn Customer since 2023
  • Keisha, EarnIn customer since 2023

Take control of your money

  • Lightning bolt illustration

    Lightning Speed

    Get your money in minutes to your bank, starting at $3.99 per transfer. Standard transfers are no cost.3

  • Savings jar filled with cash illustration

    Savings

    Automatically save with every paycheck and plan for your goals or a big purchase5

  • Credit score meter illustration

    Credit Monitoring

    Track your credit for free. Personalized tips for navigating your credit with confidence.6

  • Career growth illustration

    Earn Better

    Over 5 million openings and free tools to help you land your next job7 - resume help, job matches, and interview prep, built into EarnIn.

Q&A

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?
Nope! Early Pay reward, the direct deposit amount must equal: $250 per pay period if paid weekly, $500 per pay period if paid bi-weekly.
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 notice your earnings start ticking up once your paycheck lands. Your earnings will continue to tick up until you reach your Pay Period Max.1
How much can I access with EarnIn?
Once you download the app and connect your bank account, you can Cash Out up to $150 per day1, up to $1,000 per pay period.1 After you connect direct deposit or sign up for EarnIn Card, issued by our banking partners, your limit increases to up to $1,500 per pay period.8
How do I earn $25 in cash rewards?
Within 90 days of viewing this offer: (1) Create a new EarnIn account, (2) Successfully initiate your first transfer, (3) Set up your Tip/ Savings Jar when prompted5. Once it is created, EarnIn deposits $25 into it within 2 business days.
Is EarnIn safe and secure to use?
Yes. EarnIn uses advanced encryption, multi-factor authentication, and secure connections to protect your data. We never sell your personal information. For more details, read the EarnIn Privacy Policy. There are also verified EarnIn reviews in the App Store or Google Play and in published customer stories to learn about real-life experiences with EarnIn.