# EarnIn: Beyond Cash Advance — Get Paid Fast, Early Payday

> Access earned wages early, with overdraft alerts and credit monitoring. (iPhone/iPad app by Activehours Inc..)

- Source: https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926 (this page in markdown: same URL + `.md`)
- Developer: [Activehours Inc.](https://appshunter.io/developer/723815929)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 449,913 App Store ratings · 2,696 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 201 MB
- Languages: American English
- Released: 2013-10-25
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926/reviews.md

## What is EarnIn?

EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more.

GET UP TO $150 PER DAY*
Access up to $150/day, with a max of $1,000 per pay period. Get your money in your bank in minutes for a small fee, or in 1-3 business days at no cost.

NO MANDATORY FEES
No interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.¹

ACCESS YOUR OWN CASH
Tap into money you’ve already earned to pay bills in advance, keep your budget on track, and more. Why borrow money, take out a payday loan, or use a cash advance?^

GET PAID EARLY
With Early Pay, you can get your paycheck up to 2 days early. Just $2.99 per expedited transfer to your primary bank.‡

HELP AVOID OVERDRAFTS
With Balance Shield, you can get alerts & custom transfers from your own pay to help protect your bank balance.**

TRACK YOUR CREDIT SCORE FOR FREE
Your VantageScore 3.0® by Experian® is just a tap away.^^

EFFORTLESS SAVING
With Tip Yourself, you can set yourself up to save every time you get your paycheck.²

SAFE AND SECURE
We use the latest in security technology to keep your data protected.

BACKED BY 24/7 SUPPORT
Our Live Chat team is available 24/7, 365 days a year.

EarnIn is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, MoneyLion

EarnIn
EarnIn, P.O. Box 46
Palo Alto, CA 94302


_
^ Expedited transfers available for a fee. Visit Earnin.com for full details.

* Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not.

¹ EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details.

² EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC. FDIC insurance covers eligible funds should the bank holding your funds fail. Fees and restrictions apply. Visit EarnIn.com for full details. including FDIC coverage information.

³ Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details.

⁴ Your VantageScore 3.0 may differ from the score your lender uses. Visit Experian.com for full details.

⁵ EarnIn is not a bank. Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details.

⁶ Paid Testimonial. Compensation was provided for this testimonial, but the statements reflect a real EarnIn experience.

## Key features

- 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

## Chart rankings

- #51 in Top Free · Finance (US App Store)

## What do users think of EarnIn?

Overall sentiment: positive

**Pros**

- 🚀 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

**Cons**

- 🐛 Bank connection issues
- 🐛 Inconsistent withdrawal limits
- 🐛 Unexpected early withdrawals causing overdraft fees
- 🐛 Unresponsive customer support
- 🐛 Deactivation of accounts without explanation

**Commonly reported bugs**

- Inability to cash out during paid time off
- Incorrect GPS tracking for non-standard work locations
- Delayed bank account verification process

**Most requested features**

- Reminder notifications before payback dates
- Ability to manually update pay cycle changes
- iPad app version
- Improved communication on policy changes

## Recent user reviews (10 of 2,696)

All indexed reviews: https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926/reviews.md

### 1/5 — Scammy

*2026-08-28, version 16.58*

Pulling out 2x the advance amount at random times without consent to withdraw.

### 5/5 — 5 stars

*2026-08-28, version 16.58*

Recommend

### 1/5 — SMH

*2026-08-27, version 16.57*

This is the only app that is a waste of time when it comes to getting an advance!

### 1/5 — This is a trap

*2026-08-27, version 16.57*

This app encourages people to tip and doesn’t allow customization of said tips plus their fees. Leading customers to owe more than they took and keeping them reliant on their services. Run.

### 5/5 — There in a Jiffy

*2026-08-27, version 16.58*

EarnIn has been my saving grace more often than I can count. I appreciate the service very much

### 1/5 — Scam

*2026-08-27, version 16.57*

Took my repayment before my pay date which put me in the negative

### 5/5 — I love it

*2026-08-27, version 16.58*

I’ve had this app for years and it has saved me from some bills. I referred family. It just comes in clutch when I’m struggling.

### 5/5 — Love it

*2026-08-27, version 16.58*

True lifesaver. I was surprised how easy it is - you request, add a tip (optional), and then pick 1-2 days or right now for a fee. It’s saved me more than I’d like to admit 😂 highly recommend. They also increase your limit fairly regularly which is nice for those big surprise bills!

### 1/5 — Please don’t use this service.

*2026-08-27, version 16.58*

They will debit your account before your paydays and even if you reach out to customer care they cannot and will not aid you. I’ve warned their team prior to this potential issue and nothing was done, my account went negative because of this app and debiting account before payday.

### 5/5 — Life saving

*2026-08-27, version 16.58*

This has literally saved our family over and over again. In this economy we need all the help we can get. I always get pay earlier than expected and my borrowed amount increased over time with good behavior. It’s the best loan/bank I’ve ever dealt with and easy to use with the flexibility and support.

## Frequently asked questions about EarnIn

### 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.

## Version history (last 5 releases)

### 16.58 — 2026-08-24

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

### 16.57 — 2026-08-17

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

### 16.56 — 2026-08-11

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

### 16.55 — 2026-08-03

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

### 16.54 — 2026-07-27

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

## Apps similar to EarnIn

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Brigit: Cash Advance & Credit](https://appshunter.io/ios/app/brigit-cash-advance-and-credit/id1341884073) | 4.8 (552,527) | Free | Finance |
| [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (888,111) | Free | Finance |
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| [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (21,035) | Free | Finance |
| [Cleo AI: Cash Advance & Budget](https://appshunter.io/ios/app/cleo-ai-cash-advance-and-budget/id1447274646) | 4.7 (256,967) | Free | Finance |
| [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (134,258) | Free | Finance |

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*