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EarnIn: Beyond Cash Advance

EarnIn: Beyond Cash Advance

Get Up to $200 of Your Pay

469K ratings
3111 reviews
#52 in free Finance
🌟 Lifestyle
💰 Finance
Free

Details

Released
October 25, 2013
Updated
November 2, 2026

Features

Background Location Access

Developer

Activehours Inc.
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📉no. 52
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About

Access your earned wages instantly, avoid overdraft fees with balance alerts, and track your credit score for free. This app offers a way to get your money before payday without traditional loans.

✓Access up to $200/day
✓Get paycheck up to 2 days early
✓Overdraft alerts and transfers
✓Free credit score tracking
✓Automated savings feature
✓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 469K 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

16.68

November 2, 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

📉 52-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on November 8, 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

I’m so broke thank you 🥹

I was nervous, anxious about getting to work through the week. I get paid every two weeks and my last paycheck all went to rent, so I searched up how to get money for gas,Earnln and chime are the first options. Now, let me just say, chime pmo. I couldn’t figure out how to get to the payday loan, AND they totally messed up where I worked and what bank I use. How do you get it so wrong? Yeah, uninstalled immediately. Thank you for being reliable, I can get through the week with ease of mind
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R🦖RYAN 🦖💖

Don't send your paycheck to EarnIn

I signed up to have half of my paycheck sent to EarnIn so I could access it early. It's payday, and the half of my paycheck that went to EarnIn is nowhere to be found. Support is no help whatsoever.
I like the idea of advance pay, but if the price is losing my paycheck, that's a steep cost.
Eehart13169

Love it!!!

This is the best pay day app I’ve ever used. The money is there when you need it.
SSpider_Tiffgirl

Sign up bug

Trying to sign up but it’s still on loading!!
MBManga Babe

Earning a great site!

Excellent and fair!
PJprosperity girl jo
See 3106 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

How much can I access with EarnIn?

You can access up to $200 per day, with a maximum of $1,000 per pay period. Funds can be received in minutes for a small fee or in 1-3 business days at no cost.

Does EarnIn have any mandatory fees or interest?

EarnIn does not charge interest, credit checks, or mandatory membership fees. You can choose to pay a tip, which helps fund services like Credit Monitoring, but it is not required.

Can EarnIn help me avoid overdraft fees?

Yes, EarnIn's Balance Shield feature provides alerts and custom transfers from your earned pay to help protect your bank balance. It helps avoid overdrafts but does not prevent them entirely.

How does EarnIn's Early Pay feature work?

With Early Pay, you can receive your paycheck up to 2 days early. There is a fee of $2.99 for each expedited transfer to your primary bank account.

Is my financial data safe with EarnIn?

EarnIn utilizes the latest security technology to ensure your data is protected. The app is rated 4.8 stars from over 467,000 ratings, indicating strong user trust in its security.

What is the update frequency for EarnIn?

The latest version of EarnIn is 16.68, and it was last updated on November 2, 2026. This suggests a consistent update schedule to maintain app functionality and security.

What devices does EarnIn support?

EarnIn is currently supported on iPhone devices. The app is rated for ages 4 and up, making it accessible to a wide range of users.

Does EarnIn have ads?

No, EarnIn does not contain advertisements. The app is free to use and focuses on providing financial tools without ad interruptions.