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EarnIn: Beyond Cash Advance

Stop waiting weeks for your paycheck. Get up to $150 of your daily earnings instantly with no interest, no credit checks, and no mandatory fees.

Finance & Utilities Management ›

Key Figures

Downloads

13M+

User Rating

4.8/5

Total Ratings

391K+

Publisher

Activehours Inc.

Your Pay, Your Schedule

Stop waiting weeks for the money you have already earned. Access your wages instantly and take back control of your financial life without the stress of interest or credit checks.

Instant Cash Access

Transfer up to $150 of your daily earnings directly to your bank account in minutes to cover bills or unexpected expenses.

Zero Overdraft Anxiety

Activate Balance Shield to receive low-balance alerts and automatic transfers that keep your account safe from predatory bank fees.

FAQ

Frequently Asked Questions

Everything you need to know about EarnIn: Beyond Cash Advance

How much money can I get per day with EarnIn?

EarnIn allows users to access up to $150 per day. The maximum limit for a pay period is $1,000, enabling access to already earned wages.

Does the EarnIn app charge mandatory fees?

No, the EarnIn app does not charge mandatory fees. It features no interest, credit checks, or membership fees. Users have the option to pay a tip.

How does EarnIn's Early Pay feature work?

EarnIn's Early Pay feature enables users to receive their paycheck up to two days early. It requires setting up a deposit account and linking a primary bank account.

What is the fee for an expedited Early Pay transfer with EarnIn?

An expedited Early Pay transfer with EarnIn costs $2.99. This fee facilitates moving your paycheck up to two days early to your preferred bank.

Does the EarnIn app offer overdraft protection?

Yes, the EarnIn app offers Balance Shield. This feature provides alerts and custom transfers from your earned pay, helping to protect your bank balance and avoid overdrafts.

Can I check my credit score for free using EarnIn?

Yes, EarnIn provides free credit score tracking. Users can access their VantageScore 3.0® by Experian® directly within the app without cost.

What is the EarnIn "Tip Yourself" saving feature?

The EarnIn "Tip Yourself" feature promotes effortless saving. It allows users to set aside funds automatically into a Tip Yourself account every time they receive their paycheck.

Does EarnIn provide customer support?

Yes, EarnIn provides 24/7 customer support. A dedicated Live Chat team is available year-round, 365 days a year, for assistance.

Is user data secure with the EarnIn app?

Yes, the EarnIn app ensures data security. It employs the latest security technology to keep all user information protected and safe.

Does EarnIn offer a physical card for real-time access?

Yes, EarnIn offers the EarnIn Card. This card enables users to utilize Live Pay for real-time cash outs of their earnings.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

EarnIn: Beyond Cash Advance - EarnIn app interface displaying a one thousand four hundred ninety-nine dollar balance and cash advance features with no interest or credit checks. — EarnIn app interface displaying a one thousand four hundred ninety-nine dollar balance and cash advance features with no interest or credit checks.

EarnIn: Beyond Cash Advance - EarnIn app marketing screen featuring a customer testimonial and 4.8 star TrustPilot rating — EarnIn app marketing screen featuring a customer testimonial and 4.8 star TrustPilot rating

EarnIn: Beyond Cash Advance - Marketing graphic for the EarnIn Visa card showing a balance of one thousand four hundred fifty six dollars with the headline Stream your pay with Live Pay — Marketing graphic for the EarnIn Visa card showing a balance of one thousand four hundred fifty six dollars with the headline Stream your pay with Live Pay

EarnIn: Beyond Cash Advance - EarnIn mobile app screen showing a 150 dollar daily cash advance option and total available funds — EarnIn mobile app screen showing a 150 dollar daily cash advance option and total available funds

EarnIn: Beyond Cash Advance - EarnIn app screen showing the steps to set up early pay and receive paychecks two days early — EarnIn app screen showing the steps to set up early pay and receive paychecks two days early

EarnIn: Beyond Cash Advance - A mobile screen showing the EarnIn app credit score monitoring feature with a score of 770 and credit activity alerts — A mobile screen showing the EarnIn app credit score monitoring feature with a score of 770 and credit activity alerts

EarnIn: Beyond Cash Advance - The EarnIn app Tip Yourself screen featuring a digital savings jar for rainy day funds — The EarnIn app Tip Yourself screen featuring a digital savings jar for rainy day funds

Description

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.