Earnifi vs SplitIt

EARNIFI – EARLY WAGE ACCESS, CASH ADVANCE APP & FINANCIAL HEALTH Earnifi is an early wage access app, cash advance alternative, and financial health app for hourly workers, shift workers, renters, and early-career professionals. Get early pay using money you’ve already earned, plus tools for cash flow, credit, spending, and debt. No credit checks for pay advance eligibility. No interest. No hidden fees or tipping. EARLY WAGE ACCESS & INSTANT PAY Cover rent, bills, groceries, and everyday expenses without relying on payday loan apps, personal loans, or high-cost cash advances. WITH EARNIFI, YOU CAN: • Access earned wages early • Get fast cash when needed • Avoid overdraft fees and late payments • Sync bills with your paycheck • Handle emergencies between paychecks • Understand cash flow and spending • Build a personalized debt payoff plan Choose faster transfers or standard ACH and receive funds in 1–3 business days. PRICING & SUBSCRIPTION Earnifi is free to download. No subscription is required for early wage access. FREE: • Salary advance delivered in 1–3 business days • No credit check for pay advance eligibility • No interest or tipping PLUS – $15.99/MONTH: • Faster access to eligible pay advances • Billed monthly; cancel anytime PREMIUM – $75.98/6 MONTHS: • Credit Score + Credit Report – View your VantageScore® 3.0 score and credit report. • Pulse – Cash flow health and spending insights. • Debt Navigator – A personalized debt payoff plan. NO FEES. NO INTEREST. NO CREDIT CHECK FOR PAY ADVANCES. • No credit checks for pay advance eligibility • No tipping, late fees, or collections Earnifi advances are non-recourse and are not payday loans, personal loans, cash loans, or installment loans. SECURITY & PRIVACY • Secure bank connections powered by Plaid • 256-bit bank-level encryption • Works with thousands of U.S. banks SUBSCRIPTION TERMS Plus is billed monthly and Premium every 6 months, charged to the debit card linked to your Earnifi account. Plans renew automatically until canceled. Cancel anytime under Settings > Membership. Cancellation takes effect at the end of your current billing period. AVAILABILITY & DISCLOSURES PAY ADVANCE Not all users qualify. Subject to eligibility, Earnifi approval, and applicable policies. Advance amounts typically range from $15 to $150. Availability and limits vary by state. Faster debit card transfers may require an eligible paid membership. Standard ACH transfers are free. Earnifi pay advances have no mandatory minimum or maximum repayment period. No interest, origination fees, processing fees, or mandatory transfer fees apply to the advance itself. Pay advance services are currently available in 37 states: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kentucky, Louisiana, Maine, Massachusetts, Michigan, Mississippi, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. Availability may change. CREDIT SCORE + CREDIT REPORT Credit score uses the VantageScore® 3.0 model. Your VantageScore 3.0 from equifax® indicates your credit risk. Not all lenders use VantageScore 3.0, so their scores may differ. Credit score and report features are financial wellness tools and are not used for wage advance approval decisions. DEBT NAVIGATOR Debt Navigator is educational. Earnifi does not negotiate with creditors or provide debt settlement or debt relief services. Get early pay and instant wage access with tools to understand your credit, cash flow, spending, and debt.

SplitIt is a modern expense-splitting app built to make group money management simple, transparent, and stress-free. Whether you are traveling with friends, managing flat expenses, splitting family costs, or tracking office team payments, SplitIt helps everyone stay clear on who paid, who owes, and what is pending. With SplitIt, you can create groups in seconds, invite members, and start adding shared expenses immediately. Every expense can be split clearly among selected participants, so there is no confusion later. The app automatically calculates balances and settlements, giving each member a real-time view of their share. Instead of scrolling through chats and spreadsheets, your complete expense history stays organized in one place. Key Features: • Create and manage multiple groups Create dedicated groups for trips, roommates, events, teams, or family expenses. Keep each group separate and clean. • Add and split expenses easily Record who paid, how much was paid, and how it should be split. Support different real-life splitting scenarios without complexity. • Smart balance and settlement view See exactly who owes whom and how much. Get a clear summary of pending settlements to close balances quickly. • Real-time collaboration Group members can stay updated as expenses are added and actions are taken. • Invite and approval flow Join groups through invite links/codes and manage approvals in a structured way. • Expense timeline and records Access all historical expenses in one place for better tracking and accountability. • Profile insights Get your personal expense overview across groups and understand your contribution clearly. • Notifications for important activity Receive alerts for invites, approvals, and expense events so you never miss critical updates. • Secure account experience Designed with secure authentication and privacy-aware architecture for dependable usage. Who is SplitIt for? SplitIt is ideal for: • Friends on trips and vacations • Roommates sharing rent and utilities • Couples and families managing household costs • College groups and event teams • Office colleagues handling shared spend Why users choose SplitIt: • Clear and fair splitting • Fast setup and simple UI • Organized data instead of scattered messages • Better trust and transparency among members • Time saved during settlements Use cases: Travel: Track hotels, food, transport, and activities in one group. Settle at the end of the trip without arguments. Roommates: Split rent, groceries, electricity, internet, and maintenance with full visibility. Family: Manage shared household purchases and monthly spends in one structured flow. Team/Office: Handle lunch orders, team outings, and pooled expenses with clear records. Our goal: SplitIt is built to remove friction from shared spending. Money conversations in groups are often uncomfortable because details are unclear. SplitIt solves this by making every transaction visible, every split fair, and every settlement easy to complete. If you are looking for a reliable app to settle bills quickly and keep group expenses transparent, SplitIt gives you the tools you need in a clean and practical experience. Download SplitIt and start managing group expenses the smarter way.