EarnIn

EarnIn presents itself as reimagining the way money moves, with the aim of letting hard-earned pay flow more freely. Its app offers Live Pay (access to pay in real time, up to $1,500 per pay period), Cash Out (up to $150/day and $1,000 per pay period), Early Pay (direct deposits up to 2 days sooner for $2.99), Balance Shield, Credit Monitoring showing a VantageScore 3.0 by Experian, Savings Jars described as a no-cost FDIC-insured account, and Earn Better with over 5 million openings and free tools to find a job. The company states it has 29M+ app downloads and 470K+ 5-star reviews, and that it never sells personal information.

EarnIn describes its story as reimagining the way money moves to empower every person's potential, believing that hard-earned pay should flow more freely to give people more options. It states that its community spans teachers and nurses to fast food employees and military personnel, and that it exists to help members achieve greater financial confidence and independence. The company says it has an experienced leadership team combined with world-class funding partners, and that it is continuing to bring world-class talent onboard to help shape the next chapter of its growth journey. It reports internal analysis from January 2021 finding that 49% of respondents could cover an emergency of $400 since using EarnIn, 73% could budget better and more effectively, and 66% could pay bills on time with help from EarnIn.

EarnIn positions itself around the idea that people should not have to wait for money they have already earned, describing its mission as reimagining the way money moves to empower every person's potential.

• Live Pay

  Access your pay in real time with Live Pay, up to $1,500/pay period.

• Cash Out

  Access up to $150/day and $1,000/pay period; no interest, no credit check, no mandatory fees; money in minutes starting at just $3.99/transfer, or in 1-3 business days at no cost.

• Early Pay

  Direct deposits in your bank account up to 2 days sooner for $2.99; the fee is charged by partner Evolve Bank & Trust or Lead Bank, and a no-cost option delivers money by the scheduled payday.

• Balance Shield

  Help protect against overdrafts with custom alerts and automatic transfers.

• Credit Monitoring

  See your VantageScore 3.0 by Experian right in the app.

• Savings Jars

  Set yourself up to save with a no-cost, FDIC-insured account.

• Earn Better

  Over 5 million openings and free tools to find your next job.

1. EarnIn | You worked today. Get paid today.
2. About Us | EarnIn
3. Enjoy Your Payday in Advance with Cash Out | EarnIn
4. Early Pay | EarnIn