About Us | Earnin

We’re building a financial system for the people, by the people.

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office guy speaking Play Earnin CEO Ram Palaniappan: How We Started
Earnin CEO Ram Palaniappan: How We Started

Earnin was born out of a clear need to change a financial system that leaves millions of people behind.

The two-week pay cycle doesn’t work.

Waiting for payday is costing people billions.

Yesterday’s financial system is built on the premise that employees get paid after they’ve already put in the work. We believe you should be able to access your hard-earned money right when you earn it.

LEARN ABOUT CASHOUT

Waiting for payday is costing people billions.

Yesterday’s financial system is built on the premise that employees get paid after they’ve already put in the work. We believe you should be able to access your hard-earned money right when you earn it.

LEARN ABOUT CASHOUT
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We’re changing money
for the better—together.

From teachers and nurses to fast food employees and military personnel, we exist to help our members achieve greater financial confidence and independence.

Earnin
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Earnin all across America.

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in New Mexico state in Nebraska state in Arizona state in Utah state in Nevada state in California state in Oregon state in Washington state in Idaho state in South Dakota state in North Dakota state in Minnesota state in Wisconsin state in Iowa state in Missouri state in Illinois state in Kansas state in Oklahoma state in Arkansas state in Alabama state in Georgia state in South Caroline state in Pennsylvania state in New York state in Maine state in Wyoming state in Montana state in Colorado state in Texas state in Los Angeles state in Virginia state in North Carolina state in Tennessee state in Kentucky state in Ohio state in Indiana state in Michigan state in New Hampshire state in Vermont state in Massachusetts state in Connecticut state in New Jersey state in Maryland state in Rhode Island state in Delaware state in West Virginia state in Mississippi state in Florida state in Alaska state

Powered by the strength
and diversity of our community.

From teachers and nurses to fast food employees and military personnel, we exist to help our members achieve greater financial confidence and independence.

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Play Hear from Earnin Community
Hear from Earnin Community
Play The Earnin Movement: A Better Place
The Earnin Movement: A Better Place

We run on tips.

We’ll never charge you a surprise fee.1 If you like the service,
simply tip what you think is fair.

  1. Earnin

    Choose if and how much you want to tip when you Cashout. Maximum tip is $14, minimum tip is nada.

  2. Earnin

    Tips keep Earnin running so more members can continue to Cashout when they need to.

  3. Earnin

    Any Cashout or tip amount is deducted from your bank account—after your paycheck comes through.

The impact in our community.

CAN COVER AN EMERGENCY

of $400 since using Earnin.

Source: Internal Earnin analysis, January 2021

CAN BUDGET BETTER

and more effectively with Earnin.

Source: Internal Earnin analysis, January 2021

CAN NOW PAY BILLS

on time with help from Earnin.

Source: Internal Earnin analysis, January 2021

CAN BUDGET BETTER

and more effectively with Earnin.

Source: Internal Earnin analysis, January 2021

CAN NOW PAY BILLS

on time with help from Earnin.

Source: Internal Earnin analysis, January 2021

CAN COVER AN EMERGENCY

of $400 since using Earnin.

Source: Internal Earnin analysis, January 2021

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.

3Source: Internal analysis conducted by Earnin on December 10, 2020.

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

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/privacyandterms 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/privacyandterms 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/privacyandterms 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/privacyandterms 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/privacyandterms

1Restrictions may apply, see earnin.com/privacyandterms 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/privacyandterms

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

*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/privacyandterms.
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