EarnIn: Beyond Cash Advance

EarnIn: Beyond Cash Advance

Get Paid Fast, Early Payday

456K ratings
2809 reviews
#48 in free Finance
🌟 Lifestyle
💰 Finance
Free

Details

  • Released
  • Updated
  • October 25, 2013
  • September 14, 2026

Features

Background Location Access

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EarnIn: Beyond Cash Advance screenshot #9 for iPhone
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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

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+1

What's New in EarnIn

16.61

September 14, 2026

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

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Charts

Top Free

📈 48+3

Finance

This app rose +3 positions in Finance chart.

Last updated on September 20, 2026.

Events

Read more about Live Pay on EarnIn Card

Live Pay on EarnIn Card

Access your pay in real time.

Sep 18, 2025 Oct 17, 2025

Read more about Fund Their First Day

Fund Their First Day

Access your pay for school supplies.

Aug 20, 2025 Aug 31, 2025

User reviews

It’s Really not a Cash Advance!

Q: why a cash advance would be necessary? A: because I don’t have any! So it’s only helpful when I do have something??? Makes no sense! I wouldn’t need it if I had it! This app doesn’t help you in that way it poses as a Cash advance, but doesn’t operate as such. One week I’m able to cash out at this amount and when I make less.. I’m only able to cash out at this amount.. & if when they receive their payment from account causes your account to go negative.. you are unable to get an advance until ur account is positive.. which totally defeats the purpose! If you pay them on time each paycheck, I feel like it should enable you to cash out again.. regardless of where your personal bank account amount is! And be consistent with how much it allows u to cash out.. fluctuating up &down isn’t helpful nor is not being able to use it.. AFTER they’ve already gotten paid! I mean that’s the purpose of a CASH ADVANCE! This is False advertising!!!
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Do Not Use

I’m very disappointed with this app. This app has caused more harm than it has ever helped. I’m going through the process now of getting my money credited back to my account.

Phenomenal App Execution

Every feature promised perfectly delivers exactly the help needed to get anyone out of a bad financial situation. Most useful app I have ever seen on this planet. You guys are truly doing something great here with the relief your app provides. I see myself giving back in tips for each future transaction just out of appreciation that the developers made the perfect app to exist in history!
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Helpful

Always when I need a little extra cash as an emergency

Works great

Does exactly what’s advertised

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.