Earnin is Reinventing Payday.

Media Coverage

UNLEASH: The biggest payroll problems your company can face – and their solutions

August 4, 2022

Daniel Richardson, a senior journalist for UNLEASH, recently published an article detailing how organizations can counter common payroll mistakes and frustrations, including commentary on the benefits of providing access to earned wages by Earnin CEO Ram Palaniappan

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The Acquire Podcast Ep. 12: How Earnin uses organic community building to grow earned wage access

June 28, 2022

Earnin’s CMO Brittanie Williams joined Rebecca Cohen on Tearsheet’s The Acquire Podcast. During the podcast, Britt discussed best practices for building a strong and truly community-based brand, building with customers for customers, and flipping the script on what we think when we talk about the millions of people living paycheck to paycheck.

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Earnin Hires Amazon Alums for Chief Product Officer, VP of People Roles

April 27, 2022

Yair Rivlin and Anne Marie DePaul Haddock Joining Leadership Team With Over 22 Years of Combined Experience at Amazon

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Visa Webinar: Faster Payment Solutions for the Modern Restaurant Workforce

April 19, 2022

Visa and several of their partners including Earnin discuss emerging payment solutions designed to better meet the needs of this dynamic modern workforce.

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FinTech Law TL;DR: EWA Deep Dive

April 5, 2022

Ben LaRocco, Sr. Director of Government Relations, gives a deep dive into the current state of EWA regulations and where he and other EWA providers would like to see the regulations go.

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Mindful Businesses Podcast #100: Earnin - Your Money When You Want It

March 29, 2022

In the podcast, Ram touches upon financial inequality, Earnin’s suite of financial tools, and answers the question, “How can Earnin’s tip-based business model be profitable?”

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Earnin Founder, Ram Palaniappan, Featured On The Wharton Fintech Podcast

February 23, 2022

The podcast touches on a variety of topics including earned wage access, Earnin’s origin story and mission, the future of fintech, cryptocurrency, and much more.

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Earnin Chief Compliance Officer, Sangeetha Raghunathan, Featured on Fintech Policy Panel Hosted by Brookings Metro, Wednesday 2/2 at 11 am PST.

February 2, 2022

The panel discusses how fintech companies like Earnin are providing solutions for communities that have been left behind by the traditional financial services industry.

continue reading about Earnin Chief Compliance Officer, Sangeetha Raghunathan, Featured on Fintech Policy Panel Hosted by Brookings Metro, Wednesday 2/2 at 11 am PST.

Valet Living Selects Earnin to Offer Financial Wellness Benefits to More Than 8,000 Associates

January 18, 2022

The nationwide leader in multifamily amenity services provides early wage access (EWA) as part of Earnin’s B2B program

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What's Top of Mind for Chief Marketing Officers in 2022?

January 11, 2022

Earnin CMO, Brittanie Williams, and other key marketing leaders share how they are prioritizing roles and responsibilities in 2022.

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Earnin Names Ofer Shaked Chief Technology Officer

January 11, 2022

Data Analysis Expert Joins Executive Team to Bolster Product Growth and Optimization

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Earnin Partners With Windsor to Provide Earned Wage Access Benefits

November 9, 2021

The large healthcare organization is the latest to join Earnin’s growing B2B program to help improve financial wellbeing for employees.

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Earnin Announces They Have Provided Access to $10 Billion in Earnings for Members

November 2, 2021

Earned Wage Access provider has processed over 125 million transactions, unlocking financial freedom for more than 2.5 million active users.

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Earnin CEO, Ram Palaniappan, Guest Speaks at Purdue University Krannert School of Management

October 18, 2021

The Earnin founder held a fireside chat with the students to discuss market demand, Earnin’s origin story, and the challenges he faced while building a fintech startup.

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Earnin Receives IMA Impact 21 Award for “Best Use of Facebook”

October 1, 2021

The annual IMPACT Awards exemplify best-in-class creativity, expertise and results achieved by the top practitioners of Internet marketing across every business segment.

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Earnin CMO, Brittanie Williams, Wins Gold for “Female Professional of the Year”

September 29, 2021

The Globee Awards recognize outstanding achievements and performances in businesses worldwide.

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Earnin Wins Gold for “Company Innovation of the Year” and CEO, Ram Palaniappan, Wins Gold for “Innovator of the Year”

September 14, 2021

The Globee Awards recognize outstanding achievements and performances in businesses worldwide.

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Research Partnership: Cutting off jobless benefits early may have hurt state economies.

August 20, 2021

New research suggests that ending the benefits did indeed lead some people to get jobs, but that far more people did not, leaving them — and perhaps also their states’ economies — worse off.

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The Earnin App Pays Employees Upfront for Earned Wages to Help Them Avoid Late Fees and Credit Card Debt

August 17, 2021

Even well-compensated employees occasionally struggle to make ends meet while waiting for their paychecks. The Earnin app changes that dynamic by paying people the wages they’ve already earned before their scheduled payday.

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SF Business Times Ranks Earnin Among Bay Area’s Largest Fintech Companies for 2021

July 23, 2021

Ranked by Bay Area employees, the List includes financial technology companies with offices in the Greater Bay Area.

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Earnin Named to America’s Best Startup Employers List for 2021

March 9, 2021

Forbes partnered with market research company Statista to identify the up-and-coming companies liked best by their employees in our ranking of America’s best startup employers.

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Regulators Take an Interest in Earned Wage Access

February 4, 2021

Millions of consumers rely on earned wage access on a regular basis. If it was legislated out of existence it would have severe negative effects on people who are already struggling to get by.

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Here’s how long the $600 stimulus checks will last for Americans living paycheck to paycheck

January 4, 2021

Using data from over a million app users, Earnin analyzed how long it will take for bank account balances to return to the average amount they were prior to the federal payments hitting the account.

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Earnin Combats Expensive Payday Loans by Providing No-Interest Advances on Upcoming Paychecks

November 6, 2020

Earnin not only steers people away from payday loans, but it also helps people develop healthy saving habits and reduce medical debt.

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New online tool providing easy access to community resources during COVID-19 pandemic

May 18, 2020

Financial company Earnin is connecting service providers to neighbors in need; Earnin CEO Ram Palaniappan, plumber Richard Nielsen and customer Anila Jetaan join 'Fox & Friends.'

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Earnin Offers Advanced Access to Unemployment Benefits

May 18, 2020

To help the community grapple with the impact of COVID-19, Earnin opens unprecedented early access to unemployment benefits.

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ABC News – Cash advance apps like … Earnin see use surge amid COVID-19

May 16, 2020

The main attraction for using payday advance apps is quick cash.

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Earnin B2B Program Marks Key Milestone for Small Businesses

May 12, 2020

Earnin is leveling the playing field for 183,000 small businesses; providing earned wage access benefits that are often reserved just for large companies.

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Earnin Unveils Tip Yourself – A New Way to Build Savings in the Earnin App

May 7, 2020

First Community-Supported Financial Platform Offers New Ways to Save.

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Earnin partners with Harvard-based Opportunity Insights to help policy makers understand the economic impact of Covid Crisis

May 7, 2020

Earnin, the leader in innovative solutions to some of the world’s toughest financial problems, today announced that it is partnering with Opportunity Insights to help launch a new economic tracker, which will provide a deeper understanding of the economic impact of the COVID-19 crisis. Opportunity Insights (OI) is a non-partisan, not-for-profit organization based at Harvard University. Earnin contributed to the OI Economic Tracker by providing an understanding of COVID-related employment trends in different areas of the country.

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Nerd Wallet’s Sean Pyles in the AP – Millennial Money: A Q&A to build your financial resilience

April 14, 2020

A few months ago you may not have thought much about strategies for managing credit balances or how much of an emergency fund you really need. But with finances strained by the coronavirus pandemic, making smart money decisions is crucial.

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4 startups that have collectively raised $300 million explain how the coronavirus is a 'watershed moment' for instant paycheck cashouts

March 31, 2020

Demand for same-day pay is exploding amid record joblessness. Here are 4 startups that could be on the forefront of a payday revolution.

continue reading about 4 startups that have collectively raised $300 million explain how the coronavirus is a 'watershed moment' for instant paycheck cashouts

Fintech App Says Coronavirus Has Caused 30% Drop In Hours Worked

March 19, 2020

The coronavirus is already causing a sharp drop in the number of hours people are working in places like Washington, D.C., and New York State. New data from Earnin, a personal finance app with millions of users that helps people access their already-earned wages immediately after they leave work each day, gives an early indication into the economic impact of the pandemic.

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Earnin Ranked on America’s Best Startup Employers 2020

March 10, 2020

Forbes partnered with market research company Statista to identify the up-and-coming companies liked best by their employees in our inaugural ranking of America’s best startup employers.

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More Companies Help Employees With “Financial Wellness” Plans

February 9, 2020

Services range from emergency-savings funds and payroll advances to student-loan-repayment support.

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Earnin Announces HealthAid and Cash Back Rewards, Two Products to Help Its Community Fight Financial Unfairness

May 22, 2019

Earnin, a community-supported financial platform, is launching two new products – HealthAid and Cash Back Rewards – as part of its mission to give people the tools to take control of their financial future. Medical bills – especially unexpected ones – are one of the most likely reasons people end up in financial trouble. Forty-one percent (41%) of working-age Americans have medical bill problems or are paying off medical debt, up from thirty-four (34%) percent in 2005. In the United States, just $5002 in unexpected bills can lead to bankruptcy and medical debt is the #1 cause of personal bankruptcy.

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You can hire this startup -- for free -- to negotiate down your medical bills

May 22, 2019

Plenty of folks get hit with hefty and unexpected medical bills they have a hard time paying. Earnin, a Palo Alto, California-based startup, thinks it can help. The company, which already offers customers an alternative to high-interest payday loans, on Wednesday introduced a new service called HealthAid. It lets people take pictures of their medical bills and load them into Earnin's app. From there, the startup's team, which is trained in medical billing, will negotiate with doctors and hospitals for lower bills or installment payments. These workers will also try to line up financial aid through a medical provider if a patient qualifies.

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How One Company Wants to Reduce or Even Eliminate Your Unpaid Medical Bills

May 22, 2019

Most Americans believe we live in a country with quality medical care—and have long considered it to be the best in the world. However, the reality is that life expectancy is declining as healthcare costs are rising; so, it’s no surprise that it’s becoming more and more expensive to afford medical care. Relying on personal savings or insurance may not even be enough to pay off expensive medical bills. As a result, 41% of working age Americans have medical bill problems or are paying off medical debt, up from 34% in 2005. For many, a costly medical bill is all it takes to trigger financial ruin as it is now the number one cause of personal bankruptcy. What’s worse is that people may just forego doctor’s visits to avoid the burden of medical expenses.

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Earnin Listed in Forbes’ Fintech 50

February 4, 2019

Forbes compiles their list of the most innovative fintech companies in 2019.

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Earnin raises $125M to help workers track and cash out wages in real time

December 20, 2018

Before Ram Palaniappan founded Earnin, he developed a system for employees at a payments company called UniRush, where he spent eight years as president. If you needed money before payday, he would write you a check from his checking account and when payday rolled around, employees would reimburse him.

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Earnin Closes $125 Million Series C to Build Next Generation Financial System

December 20, 2018

Earnin, an app that allows anyone with a job and a bank account to get paid the minute they leave work, announced today the close of a $125 million round of equity financing from DST Global, Andreessen Horowitz, Spark Capital, Matrix Partners, March Capital Partners, Coatue Management and Ribbit Capital.

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Verify: Can payday be every day with new 'Earnin' app?

December 17, 2018

Wouldn't it be nice to have Christmas money now from the paycheck you'll get next week? A new app claims to do exactly that.

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Earnin Wants to Put End to Two-Week Pay Cycle

December 5, 2018

Fintech start-up Earnin is looking to put an end to the two-week pay cycle, and put money into workers pockets at a faster rate. The company's CEO, Ram Palaniappan, explains his strategy for reinventing how employees get paid.

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How One Founder Is Joining Workers In The Fight For Financial Equality

October 18, 2018

The current system is broken for those who most need it to work, but Earnin is one of the few companies trying to do something about it.

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Earnin Among​​ Top 50 Largest Financial Tech Companies in the Bay Area

June 8, 2018

SF Business Times Ranks the Top Financial Tech Companies by Bay Area Employee Count

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Earnin review — a new payday loan alternative?

November 9, 2017

Withdraw small amounts from what you’ve already earned before payday — no wait, no fees and no interest.

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Activehours Rebrands as Earnin, Takes Aim at Rigid Paychecks

November 1, 2017

Activehours, the mobile app that gives people access to their pay directly from their smartphones, whenever they need it, has rebranded as Earnin. Earnin users – employees from more than 25,000 companies – are seeing its new name, logo, app and website starting today.

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Activehours Review: Pick What You Pay for a Cash Advance

November 23, 2016

Activehours is an app that lets you draw small amounts of your check before payday. To learn more about whether Activehours is a good fit for you, read on.

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Sears Makes Drastic Change to Payroll Operations

November 14, 2016

Instead of having to wait for a weekly paycheck Sears' associates are now able to access pay the day they earn it.

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Activehours and Sears Holdings Bring On-Demand Pay to Shop Your Way® Members, and Sears and Kmart Associates

November 14, 2016

Activehours and Shop Your Way, a business unit of Sears Holdings (NASDAQ: SHLD), announced a strategic partnership today that integrates the Shop Your Way rewards program into the Activehours mobile application.

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Activehours Connects to Uber Services to Give Driver Partners Instant Access to Earnings

October 26, 2016

Activehours, the company that helps people get their pay when they want it, today announced it has integrated with the new Uber® driver API to give driver partners quick access to their earnings.

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How The 'Pay-What-You-Want' Model Can Work For You

November 24, 2015

This “pay-what-you-want” (PWYW) model can be traced back to the earliest street performers, and it entered mainstream consciousness in 2007 in conjunction with the release of Radiohead’s 7th album...

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New Budgeting Apps Aim to Disrupt Payday Lending

November 12, 2015

At a time when the industry is moving towards faster payments, a handful of entrepreneurs are looking to narrow the gap between an honest day's work and an honest day's pay...

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How To Avoid Payday Lenders: 3 Alternatives

October 21, 2015

Payday lending is one of the most usurious ways to borrow money imaginable. The industry is scandalous to the point that many states have regulated it so heavily that lenders have actually exited certain markets...

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The Future Of Work Might Not Include Payday

July 15, 2015

Most on-demand companies are focused on creating greater efficiency for employers, not employees. But Activehours hopes to buck that trend, making payday as flexible as the future of work is supposed to be...

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What Employers are Missing With Employee Wellness Programs

July 13, 2015

As employment opportunities abound and workers aim to find life balance, corporate wellness programs (and those companies that offer them) are gaining appeal for job seekers. Google offers...

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Your Bank Should be More Like Your Waiter And Less Like Your Landlord

June 29, 2015

The financial services industry in America is locked into a business model of exploitation. For far too long, this has gone largely unchecked and unquestioned, even when advances in technology...

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Introducing Activehours: Waiting for Paychecks is a Thing of the Past

June 15, 2015

Today’s consumers are all about instant gratification. But most workers still have to wait two weeks between paychecks. The Activehours app allows hourly workers or on-demand workers like Uber drivers to submit a photo of their online or electronic time sheet, or trip summaries, in the case of drivers. They can then request the money that they have earned but haven’t yet been paid.

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7 Startups That Will Revolutionize Their Industries

March 16, 2015

American workers have gotten used to getting paid every two weeks, but ActiveHours is trying to turn that custom on its head. The lag time between work completed and pay received causes financial concerns for thousands of Americans every day. With ActiveHours, employees can "unlock" their earnings and cash in their hours in as soon as they've completed their shifts...

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A Brief History of 'Pay What You Want' Businesses

November 11, 2014

A pay-what-you-want investing service? Yes, it's here--and it's hardly the only business bold (crazy?) enough to all customers to pay whatever they feel is appropriate, even $0...

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Fox 4 News On Your Side: Activehours

September 3, 2014

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Cash In On Your Paycheck Before Payday? There's An App For That

August 7, 2014

Waiting two weeks for payday is a pain. Isn’t there a better way? According to startup Activehours, the answer is yes. Their app lets you withdraw money from your paycheck before payday rolls around. You plug in some info about your job and bank account, request a portion of your earnings, and it’s wired to you the next day. It’s free, too—the service simply suggests you “tip” it whatever you think is reasonable. On payday, Activehours withdraws the same amount you were advanced (plus any tip that you authorized) from your bank account.

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The Next Big Thing You Missed: Startup Offers Payday Advances Without The Pesky Loan-sharking

August 5, 2014

Payday lenders aren’t the most scrupulous of operations. Preying on the desperation of people who don’t have enough money to make it to their next payday, these lenders dole out short-term loans with exorbitant interest rates, forcing already cash-strapped customers deeper into debt. And while many have tried to reform the payday lending industry, we’re still awaiting the right answer. Ram Palaniappan has a new approach. He wants to solve the problem at its root, by eradicating the payday altogether.

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New App Offers Access To Your Pay As You Earn It

August 3, 2014

Sometimes, you just need a few dollars between paychecks. About the only options for someone with bad credit is to borrow from a friend or family member or take out a high-interest payday loan. A new app-based service called Activehours offers another way. It gives you access to your pay as you earn it.

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Getting Your Wages, Before Payday.

May 22, 2014

Last fall, Stephen Prentice found himself short on money for rent after his girlfriend moved out. He was wary of using a payday lender, having incurred big fees using one previously. Instead, he said, he used a new service called Activehours to get an advance on his biweekly paycheck to help tide him over.

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Activehours Gives You Your Paycheck Early, Free of Charge

May 7, 2013

Sometimes payday can't come early enough. Bills come too soon or an emergency occurs and you need money you don't have. Advanced paycheck services allow you to get your money sooner, but they generally come at a high cost. ActiveHours provides you with your paycheck when you want it, and they won't charge you a cent.

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Press Releases

Earnin Attracts Top Talent with New Head of Research

August 4, 2022

Earnin welcomes Angela Hung as Head of Research, bringing more than 15 years of financial and behavioral research experience from RAND and Robinhood. In her role, Hung will support Earnin in solving the challenge of inequities in the financial system stemming from the traditional two-week pay cycle and contribute to Earnin’s mission of providing consumers more choices to balance their finances and take control of their money, starting when they earn it.

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Earnin Offers New Feature for Remote Workers

April 30, 2020

Earnin now enables community members to track hours worked from home, keeping access to earned wages online through COVID lockdowns.

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Earnin Partners With Employers to Improve Financial Wellness for All Employees

February 19, 2020

PALO ALTO, Calif.--(BUSINESS WIRE)--Earnin, the leader in innovative solutions to some of the world’s toughest financial problems, today announced the launch of a new Employer Partnership Program. The first-of-its-kind program enables employers of all sizes to offer Earned Wage Access (EWA) benefits in an innovative “Zero Integration” model that raises the industry standard for employee benefits.

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Earnin Appoints Erbil Karaman as Head of Product

January 21, 2020

PALO ALTO, Calif.--(BUSINESS WIRE)--Earnin, the leader in innovative solutions to the world’s toughest financial problems, today announced the appointment of Erbil Karaman as Head of Product. Karaman, a veteran of Facebook and Lyft, will lead the future development of the company’s product roadmap, reporting to Earnin Founder and CEO Ram Palaniappan and working alongside recently appointed VP of Engineering, Richard Liu, another Facebook alumni. Karaman’s appointment is the latest in a series of executive hires boosting Earnin’s senior team across the organization.

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Earnin Continues to Expand Leadership Team; Names Sean Delehanty Chief Financial Officer

December 9, 2019

PALO ALTO, Calif.--(BUSINESS WIRE)--Earnin, a community-supported financial platform that allows people to access their earned wages before payday, helps prevent overdrafts and helps reduce unpaid medical bills, today announced that Sean Delehanty has joined the company as Chief Financial Officer. The appointment comes as Earnin continues to expand its leadership team, mapping to the company’s strong growth in the rapidly expanding financial wellness category.

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Richard Liu Joins Earnin as VP of Engineering

December 3, 2019

PALO ALTO, Calif.--(BUSINESS WIRE)--Earnin, a community-supported financial platform that allows people to access their earned wages before payday, helps prevent overdrafts and helps reduce unpaid medical bills, today announced the appointment of Richard Liu as Vice President of Engineering.

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Earnin Introduces Free Service to Combat Overdrafts

March 27, 2019

PALO ALTO, Calif., March 27, 2019 /PRNewswire/ -- Earnin, an app that allows anyone with a job and a bank account to get paid the minute they leave work, announced today the launch of a new and free service called Balance Shield Alerts.

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Activehours and Processing Point Partner to Bring On-Demand Pay Benefits to Workers

July 15, 2015

PALO ALTO, CA--(Marketwired - Jul 15, 2015) - In a display of continuing momentum, Activehours, the app that allows workers to create a flexible payday schedule, is announcing a partnership with Processing Point, Inc., the maker of two highly regarded time clock brands, uAttend and uPunch. This partnership will enable hundreds of thousands of workers to seamlessly access their wages without having to wait for payday.

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Activehours Ending the Status Quo of Delayed Payroll

July 15, 2015

PALO ALTO, CA--(Marketwired - Jul 15, 2015) - The No. 1 financial resource workers wish their employers would offer is a flexible payday. This is according to a new survey of more than 300 consumers in the U.S. conducted on behalf of Activehours by Google Consumer Surveys. To combat this issue, Activehours, the company that lets workers access their pay as they earn it, is expanding its efforts to reach even more employees by announcing today partnerships with two new timesheet providers, Deputy and Nimble Schedule.

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Activehours Debuts Lightning Pay, Meeting Demands For a New Era Of Pay

October 22, 2014

PALO ALTO, CA--(Marketwired - Oct 22, 2014) - A new survey of more than 1,000 U.S. Millennials, conducted on behalf of Activehours by Ypulse, found the generation wishes its paychecks would follow the same flexible, convenient model of other routine life amenities, like on-demand cabs with Uber or movie streaming on Netflix. Today, with the release of Activehours' Lightning Pay, hourly workers can access earned wages in seconds introducing a new era for the paycheck -- on-demand pay. This new service is now offered in beta to select users on the Activehours mobile app.

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Press contact

For media inquiries contact: [email protected]

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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