# EarnIn vs Payactiv

The clearest difference is update cadence: EarnIn at weekly against Payactiv's every 2 months. EarnIn also leads on review sentiment (64% vs 36%) and ratings volume (457K vs 78K). Payactiv's advantage is monetization model (free vs free with in-app purchases) and device support (3 vs 1). On price, rating, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for EarnIn against 4.7 for Payactiv. That said, the two scores are not equally well evidenced: EarnIn has 457K ratings behind it against 78K, so its average is the more settled of the two. Written reviews are what separate them: 64% of EarnIn's written reviews are positive against 36% of Payactiv's.

EarnIn ships an update weekly, Payactiv every 2 months. Both last shipped on September 24, 2026.

## The numbers

| Metric | EarnIn | Payactiv |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (457K ratings)](https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926/reviews)** | [4.7 (78K ratings)](https://appshunter.io/ios/app/payactiv/id792617775/reviews) |
| Number of ratings | **457K** | 78K |
| Positive reviews | **63.9% of reviews** | 35.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#54** | #140 |
| Size | 217 MB | 47 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Activehours Inc.](https://appshunter.io/developer/723815929) | [PayActiv Inc.](https://appshunter.io/developer/792617778) |

## What reviewers say

### EarnIn

[App page](https://appshunter.io/ios/app/earnin-beyond-cash-advance/id723815926)

**Currently charting:** #54 Top Free · Finance (US App Store)

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.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Payactiv

[App page](https://appshunter.io/ios/app/payactiv/id792617775)

**Currently charting:** #140 Top Free · Finance (US App Store)

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

**Highlights:** Early access to wages, Government payment early access, Spending and saving tools, Low balance alerts, Payactiv Visa Card, Integrated bill pay, Touchless payments

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick access to money
- 👍 Convenient feature
- 🚀 Easy to use
- 🚀 Helpful in emergencies
- 👍 Wonderful app

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🐛 Hours/funds not updating properly
- 🔒 Security and login issues
- 💩 Poor customer service
- 💰 High fees

**Reported bugs**

- App not loading or logging in
- Funds disappearing or not updating
- Issues linking bank accounts and cards

**Requested features**

- Same-day access to funds
- Reduce withdrawal fees
- Improve app stability and reliability
- Better customer support


## Frequently asked questions

### Is EarnIn free?

EarnIn is free to download, with no in-app purchases.

### Is Payactiv free?

Payactiv is free to download, with no in-app purchases.

### Which has better reviews, EarnIn or Payactiv?

EarnIn is rated higher. EarnIn averages 4.8 out of 5 from 457K ratings, while Payactiv averages 4.7 from 78K ratings.

### Do EarnIn or Payactiv have ads?

Neither EarnIn nor Payactiv shows ads.

### Which is updated more often, EarnIn or Payactiv?

EarnIn ships an update weekly, and Payactiv every 2 months. Most recently, EarnIn was updated on September 24, 2026 and Payactiv on September 24, 2026.

### Which is more popular, EarnIn or Payactiv?

EarnIn currently peaks at #54 in the App Store charts, and Payactiv at #140. Chart position reflects recent download velocity rather than total install base.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*