EarnIn - Paycheck advance & budgeting

Get immediate access to your earnings without waiting for your paycheck with EarnIn. Utilize your pay as you earn it, instantly receiving up to $100 per day and up to $750 per paycheck to cover daily expenses and unexpected costs. Interestingly, there are no loans involved, no borrowing, no interest, no compulsory fees, and no credit checks required.

With Cash Out on EarnIn, stay on top of your finances by tapping into your earned money whenever needed without any hassle. Moreover, receive helpful guidance on managing your credit goals through free credit monitoring within the app.

Avoid the pitfalls of cash advances and payday loans by leveraging the straightforward and cost-free features offered by EarnIn. Rest assured there are no surprises, no credit checks, and no interest charges involved in utilizing this service.

EarnIn's Balance Shield feature keeps you informed whenever your bank balance is low. Say goodbye to cash advances and payday loans; manage your finances prudently by accessing your money in advance with EarnIn.

Discover how Cash Out on EarnIn functions:

1.Download the EarnIn app and complete your profile.

2.Access a portion of your earnings, with limits set at $100 per day and up to $750 per pay period.

3.Optionally tip as a gesture of appreciation.

4.Any amount withdrawn, along with optional fees and tips, will be automatically repaid on your upcoming payday.

For convenient and instant access to your funds, download EarnIn today and enjoy financial flexibility at your fingertips.

YOUR EARNINGS ON YOUR TERMS

- Instantly access your earnings by linking your bank account.

- EarnIn supports major banks such as Bank of America, Wells Fargo, Chase, Capital One, and more.

- Benefit from Lightning Speed transfers for rapid payments.

- A smarter and quicker substitute for traditional cash advances.

RECEIVE UP TO $750 EVERY PAY PERIOD

- Access up to $100 per day and up to $750 per pay period to address emergencies, handle loan repayments, or manage day-to-day expenses.

- A superior alternative to cash advances or payday loans, enabling you to access your own funds instantly.

TRACK YOUR CREDIT SCORE FOR FREE

- Monitor your credit score regularly to gain insight into your financial well-being.

- Receive alerts regarding changes in your credit report and monitor for suspicious or fraudulent activities.

- In contrast to loan applications, EarnIn provides financial tools to assist in tracking your credit score and advancing towards your financial objectives.

SUPPORTED BY 24/7 CUSTOMER SERVICE

Have queries or encounter issues? Our Live Chat team is accessible round-the-clock, every day of the year.

EarnIn is unrelated to Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay, or Credit Karma.

EarnIn is distinct from payday loans or personal loans, as it does not charge any interest or APR deducted from your paycheck.

Your personal data is not shared with third parties by EarnIn. To learn more about our privacy policy, visit earnin.com/privacy.

EarnIn

200 Portage Ave

Palo Alto, CA 94306

FAQs:

Is this legit? How does EarnIn offer this at no cost?

EarnIn runs on optional tips — not unnecessary fees. Simply add what you think is fair (even $0) when you transfer money out.1

Need your money even faster? Transfer in minutes for a small fee via Lightning Speed, or get it at no cost in 1 - 3 business days via standard speed.

How do I get in touch?

Questions? We're here for you 24/7. Chat with your EarnIn Care Team directly in the app.

Is EarnIn a payday loan app?

No. It's not a loan app.

EarnIn gives you access to the pay you've earned - when you want it. Loans, including payday loans, charge mandatory fees and/or interest.

Why do I sometimes see ActiveHours instead of EarnIn?

We changed our brand name because the name EarnIn more clearly expresses that we’re helping people get the money they’ve earned. We were not acquired or bought out.

*Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

Disclaimers:

Availability of EarnIn services may vary by state.

[1] Fees are applicable for using Lightning Speed. Lightning Speed may not be accessible to all Community Members. Transfer times can take up to thirty minutes; the actual speed relies on your bank. Refer to the Cash Out User Agreement for further information.

[2] Tipping choices may differ across various tools.

[3] Funds in the Tip Yourself Account are maintained by Evolve Bank & Trust, an FDIC member, and are insured up to $250,000. The Tip Yourself service has a 0% Annual Percentage Yield and zero monthly fees. Note that your Tip Yourself Account and Tip Jars do not function as Savings Accounts. For detailed information, visit https://www.earnin.com/evolve-bank-and-trust

[4] Balance Shield Cash Outs are contingent on your available earnings, Daily Max, and Pay Period Max.

[5] Availability based on your earnings, Daily Max, and Pay Period Max. EarnIn does not impose interest on Cash Outs. There may be restrictions and/or third-party fees applied. For additional details and our privacy policy, visit earnin.com/tos

[6] Calculated based on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and might not be utilized by all lenders. It's advisable to learn more about potential differences between lenders' scoring systems and your VantageScore 3.0 score: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf