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EarnIn: Beyond Cash Advance

EarnIn: Beyond Cash Advance

Get Paid Fast, Early Payday

462K ratings
3011 reviews
#53 in free Finance
🌟 Lifestyle
💰 Finance
Free

Details

Released
October 25, 2013
Updated
October 15, 2026

Features

Background Location Access

Developer

Activehours Inc.
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📉no. 53
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About

Access funds you've already earned before payday with this app. It offers same-day pay, overdraft protection, credit monitoring, and savings tools. Get up to $150 daily with optional expedited transfers for a small fee.

✓Access up to $150 per day
✓Get paycheck up to 2 days early
✓Overdraft alerts and custom transfers
✓Free credit score tracking
✓Effortless saving tools
✓24/7 live chat support
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What users say about EarnIn

Reviews of EarnIn are mostly positive: the Finance app is rated 4.8/5 from 462K App Store ratings. What users like most: saves time and money, helpful for single moms and those living paycheck-to-paycheck. Top complaints: bank connection issues, inconsistent withdrawal limits. Summarized from real user reviews.

Positive things

  • 🚀Saves time and money
  • 👍Helpful for single moms and those living paycheck-to-paycheck
  • 💡Allows choosing tip amount
  • 🚀Fast cash advances
  • 👍Transparent and ethical service
  • 💡Automated savings feature

Negative things

  • 🐛Bank connection issues
  • 🐛Inconsistent withdrawal limits
  • 🐛Unexpected early withdrawals causing overdraft fees
  • 🐛Unresponsive customer support
  • 🐛Deactivation of accounts without explanation
See all reviews
+1

What's New in EarnIn

16.65

October 15, 2026

We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements.

More

Charts

Top Free

📉 53-1

Finance

This app dropped -1 position in Finance chart.

Last updated on October 18, 2026.

Events

Read more about Live Pay on EarnIn Card
Event EndedMajor Update

Live Pay on EarnIn Card

Access your pay in real time.

Sep 18, 2025 — Oct 17, 2025

Read More

Read more about Fund Their First Day
Event EndedSpecial Event

Fund Their First Day

Access your pay for school supplies.

Aug 20, 2025 — Aug 31, 2025

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Be careful

They will lie about you paying back the amount you use so screenshot everything. Don’t depend on the amount they tell you because the system is always messing up and customer service will tell you it’s nothing they can do because everything is automated
Azia90Azia90

Great app

Great app would recommend to others
Liizziiee21Liizziiee21

Super buena

Me encanta
Yary🥰Yary🥰

Fast

Always there when I need it
Lizziebab3Lizziebab3

Scam!

I have been with this cash advance for months, at first it feels good you get your money you borrow they take off when you get paid, now i am getting transactions that are fraud! I connected my direct deposit and sent the money over to my bank and within minutes!! I say minutes i get charged for uber eats and other transactions that were not from me! I got a physical card from earnin and funny enough, I had to keep disputing charges that were also not from me! absolutely scam app that take your information and sell it! STAY AWAY!!!!
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Mauricio Jimenez PMauricio Jimenez P
See 3006 more reviews

User experience

🐞

Reported Bugs

3 issues

Inability to cash out during paid time off

Bug

Incorrect GPS tracking for non-standard work locations

Bug

Delayed bank account verification process

Bug
✨

Requested Features

4 requests

Reminder notifications before payback dates

Feature

Ability to manually update pay cycle changes

Feature

iPad app version

Feature

Improved communication on policy changes

Feature

FAQ

What does EarnIn do?

EarnIn allows you to access a portion of the money you've already earned before your official payday. It offers features like same-day pay transfers, overdraft alerts, free credit score monitoring, and savings tools to help you manage your finances.

How can I get my paycheck early with EarnIn?

With the Early Pay feature, you can receive your paycheck up to two days earlier than usual. This service is available for a small fee of $2.99 per expedited transfer to your primary bank account.

Is EarnIn free to use?

The app itself is free to download and use. While there are no mandatory fees, interest, or credit checks, you can choose to pay a voluntary tip to support services like credit monitoring and to keep expedited transfer fees low.

What are the requirements to use EarnIn?

To use EarnIn, you typically need to have a direct deposit setup with your employer and a valid bank account. Transfer limits are based on your earnings and risk factors, and the service is available in select states with specific terms and restrictions.

How does EarnIn help avoid overdrafts?

EarnIn's Balance Shield feature provides alerts when your bank account balance drops below a set threshold. It can also initiate custom transfers from your earned pay to help prevent your balance from going negative, though it does not guarantee prevention of all overdrafts.