Earnin Review

EarnIn Review: What You Must Know Before Sign Up! (2023)

⚡ EarnIn is an app that lets you access your paycheck before payday. It doesn't charge interest or mandatory fees, but does have withdrawal limits. It's easy to use and has features like Balance Shield to prevent overdrafts. It's a good option if you need money quickly and can manage your finances well.

In today’s fast-paced world, managing finances can be a challenge, and sometimes we need access to our hard-earned money before payday arrives. Enter EarnIn, a Paycheck Advance App that could be your lifesaver in tight situations.

In this comprehensive 2024 EarnIn review, we’ll dive deep into understanding how the app works, its pros and cons, and alternatives so you can decide whether it’s the right solution for your financial needs.

📢 Key Takeaways
Short on time? Here’s what you need to understand from this article:
  • EarnIn is a paycheck advance app that allows eligible users to access their earned wages before payday without charging interest.
  • The app has several advantages, including no mandatory fees or interest rates, the Balance Shield feature that can help prevent overdrafts, and ease of use with a streamlined withdrawal process.
  • However, potential limitations on withdrawal amounts and the risk of dependency on the app mean it should only be viewed as a short-term financial solution.
  • It’s important to weigh the pros and cons carefully when deciding whether EarnIn or an alternative financial strategy is right for your individual needs.

What Is EarnIn?

EarnIn is a paycheck advance app that allows users to access earned wages before payday without charging interest.

A Brief Overview Of The Paycheck Advance App

As a cash advance user, you’re probably familiar with the struggle to make ends meet before your next paycheck arrives. That’s where EarnIn comes in—an innovative Paycheck Advance App designed specifically for people like us.

Here’s how it works: You simply download the EarnIn app and link your bank account so that the system can track your earnings and spending habits. Once approved, you can request an advance on your already-earned wages anytime during your pay period (up to certain limits), giving you faster access to funds when you need them most.

How EarnIn Works

How Earnin Works

To use EarnIn, users must first meet eligibility requirements such as being a W-2 employee and having received a direct deposit from their employer into their bank account; once eligible, they can withdraw earned wages up to a limit of $100 per day and $750 per pay period through the app.

Eligibility Requirements

Before diving into using the EarnIn app, it’s crucial to understand the eligibility requirements to take advantage of its paycheck advance feature. Here are the main criteria you need to meet:

  1. Be a W-2 employee: EarnIn primarily caters to salaried and hourly employees who receive their income through an employer’s payroll system.
  2. Receive at least one paycheck via direct deposit: To use EarnIn, your bank account must have a record of at least one direct deposit from your employer.
  3. Be 18 years old or older: As with most financial services apps, you must be at least 18 to sign up for an account.
  4. Reside in the United States: Currently, EarnIn is only available for users living in the United States.
  5. Grant access to your bank account: EarnIn may require permission to access your bank account information and transactions in order to verify employment and calculate hourly earnings.
  6. Provide location data and/or work email address: To confirm your employment status and payday schedule, EarnIn may ask for access to your location data or work email address.

By meeting these eligibility requirements, you can begin exploring the benefits of using EarnIn as a cash advance solution when needed.

Withdrawal Process

The withdrawal process for EarnIn is designed to be convenient and user-friendly for cash advance users. Here’s a step-by-step guide to help you navigate the process:

  1. Ensure you meet the eligibility requirements, such as being a W-2 employee with direct deposit.
  2. Download the EarnIn app on your smartphone and create an account by providing personal information, including your bank account details.
  3. Provide proof of employment by granting access to your online timesheet or sharing your work location through GPS tracking.
  4. Connect your bank account so EarnIn can verify transactions, paydays, and hourly earnings.
  5. Request a cash advance by selecting the “Cash Out” feature and specifying the amount you would like to withdraw, up to $100 per day or $750 per pay period.
  6. If desired, choose Lightning Speed for quicker access to funds (note that fast-funding fees of $1.99 to $3.99 may apply).
  7. Opt for voluntary tipping if you wish – this helps support the app and keep it running while allowing other users in need of financial assistance to access it, too (optional tips are capped at $14 per advance).
  8. Wait for EarnIn’s confirmation that funds will be transferred into your bank account within one business day (or instantly with Lightning Speed).
  9. Monitor your account as EarnIn will automatically deduct the borrowed funds on your next payday – ensure sufficient funds are available, or contact customer service if deferral is needed.

By following these simple steps, cash advance users can easily access their earned wages through EarnIn when in need of emergency finances between paychecks.

Interest And Fees

One of the key benefits of using EarnIn is that it doesn’t charge mandatory fees or interest rates. Instead, the app operates on a completely voluntary tipping system, where users can leave a tip if they want to support the service.

It’s important to note that despite the lack of mandatory fees and interest rates, EarnIn isn’t completely fee-free. Some costs may be associated with using certain features within the app, such as Balance Shield, which automatically transfers money when your checking account balance reaches a certain level and comes with a fee of $1.50 per transfer after your first use.

My Experience Using EarnIn

manage finances more effectively. I remember the first time I used EarnIn, it was during a particularly busy month when I was juggling multiple projects. I had a significant invoice that was delayed, and I needed to cover some immediate expenses. I decided to give EarnIn a try, and I was pleasantly surprised by how straightforward the process was. I downloaded the app, linked my bank account, and within a few hours, I had access to a portion of my earned wages.

One feature of EarnIn that I found particularly useful was the Balance Shield. I had a few automatic payments set up on my account, and the Balance Shield feature helped me avoid overdraft fees by automatically transferring money when my account balance was low. It was like having a personal financial assistant that stepped in just at the right time. I remember thinking how this feature could be a lifesaver for many people who might otherwise incur hefty overdraft fees.

However, I also realized the potential for dependency on the app. While EarnIn was a great help in that one-off situation, I knew that relying on it regularly could lead to a cycle of borrowing against future paychecks. So, I decided to use it as a tool for emergencies, not a regular part of my financial strategy. I also started focusing more on building an emergency fund and improving my budgeting skills to better manage my finances. Using EarnIn was a learning experience that not only helped me in a pinch but also made me more aware of my financial habits and the importance of planning.

Pros Of Using EarnIn

Pros Of Using Earnin

EarnIn has several advantages, including no mandatory fees or interest rates, the Balance Shield feature that can help prevent overdrafts, and ease of use with a streamlined withdrawal process.

No Mandatory Fees Or Interest Rates

One of the significant advantages of using EarnIn as a paycheck advance app is that it doesn’t charge any mandatory fees or interest rates. Unlike traditional payday loans, users can access their earned wages without worrying about being charged exorbitant fees.

EarnIn’s low optional fees make it a good alternative to high-cost loans like payday loans, which often come with APRs ranging from 300% to 400%. Additionally, since no mandatory costs are involved when using EarnIn, borrowers can avoid getting trapped in vicious debt cycles caused by high interest rates.

Balance Shield Feature

One of the standout features of EarnIn is its Balance Shield feature, which can be a lifesaver for those living paycheck to paycheck. This feature automatically transfers money to your checking account when your balance drops below a certain amount, helping you avoid costly overdraft fees from your bank.

While some other apps offer similar services, the cost of using the Balance Shield feature is relatively low compared to other overdraft protection services. However, it’s important to note that this feature requires a minimum $1.50 tip each time it’s used – though users have the option to turn it off if they prefer not to use it.

Ease Of Use

Using the EarnIn app is incredibly straightforward and user-friendly. Once you download the app, it walks you through step-by-step how to set up your account, connect your bank account, and begin using it to withdraw cash advances.

One of the best features of EarnIn is its Lightning Speed option which allows users to receive their money instantly after they complete a few simple tasks like submitting receipts or clocking out of work early.

Additionally, the Tip Yourself feature makes saving easier by allowing users to set aside small amounts of money each day without thinking about it.

Cons Of Using EarnIn

EarnIn may potentially lead to dependence on the app, has limitations on withdrawal amounts, and is not a long-term financial solution.

Potential For Dependency On The App

As someone who has used paycheck advance apps, including EarnIn, I know that there is a potential for dependency on these services. While they can be helpful in times of financial hardship or unexpected expenses, relying on them too frequently can lead to a cycle of borrowing against future paychecks and struggling to make ends meet.

One way to avoid becoming dependent on the app is by establishing an emergency fund or seeking alternative sources of income. Freelancing or taking on side gigs are great ways to boost your earnings and reduce reliance on borrowing.

Additionally, tracking spending habits and creating a budget can help prevent overspending and the need for cash advances.

Limitations On Withdrawal Amounts

As a cash advance user, it’s important to understand the limitations on withdrawal amounts when using paycheck advance apps like EarnIn. While EarnIn allows users to withdraw up to $100 per day and $750 per pay period, these limits may not be sufficient for those who need larger amounts of money.

It’s crucial to note that while getting a cash advance from EarnIn may seem convenient, it shouldn’t be relied upon as a long-term financial solution. Instead, consider working towards building an emergency fund or exploring other options, such as personal loans or credit cards with 0% APR introductory periods.

Not A Long-term Financial Solution

It’s important to remember that while EarnIn can be a helpful tool in managing your finances, it is not a long-term financial solution.

Using EarnIn regularly may indicate a need for better budgeting or finding a side gig to earn more money. It’s essential to evaluate your spending habits and financial behavior and make changes where necessary.

Ultimately, using EarnIn as your primary source of funds can lead to a cycle of paycheck-to-paycheck living. To avoid this trap, consider exploring other options like personal loans or high-yield savings accounts for emergency situations and prioritize building up an emergency fund over time.

How To Use EarnIn

To use EarnIn, a user must download the app from the App Store or Google Play, create an account and provide their personal and banking information, meet eligibility requirements, connect their bank account to the app, request a cash advance, and repay the loan on payday via automatic withdrawal.

How To Sign Up For EarnIn

Signing up for EarnIn is straightforward and easy. Here are the steps you need to take to get started:

  1. Download the EarnIn app from your phone’s app store.
  2. Create an account using your work email address and create a password.
  3. Enter your personal details, including your name, home address, and social security number.
  4. Connect your bank account to the app by providing your online banking login credentials.
  5. Verify your employment information by allowing the app access to view your work history or employer’s information in some cases.

Once you complete these steps, you will be eligible to access up to $100 per day or $500 per pay period, depending on your income. Remember that eligibility for EarnIn is restricted only to those who receive W-2s or other regular pay schedules via direct deposit into their bank accounts.

How To Get A Cash Avance With EarnIn

If you’re a cash advance user looking to get a quick advance with EarnIn, here’s how to go about it:

  1. Make sure you meet the eligibility requirements by receiving your paycheck through direct deposit and providing proof of income and employment.
  2. Download the EarnIn app and create an account.
  3. Link your bank account and verify your personal information.
  4. Enable Automagic EarnIngs, which allows EarnIn to track your earnings automatically so that you can withdraw your money.
  5. Once you have earned at least $100 on Automagic EarnIngs, you’ll be able to request a cash advance.
  6. Choose the amount of money you want to borrow (up to $100) and select the option for fast funding if you want the money in your account right away (note: this option comes with a fee).
  7. Withdraw the funds from your EarnIn account to your bank account.
  8. Repay the advance on your next payday through automatic deduction or manual repayment in the app.

Remember: getting an advance through EarnIn should only be done as a last resort, as it essentially means borrowing against future earnings. Additionally, make sure you understand the fees associated with using EarnIn before requesting an advance.

Comparing EarnIn To Other Paycheck Advance Apps

Comparing Earnin To Other Paycheck Advance Apps

Let’s take a look at how EarnIn stacks up against other paycheck advance apps on the market, such as Dave, Brigit, and Chime.

EarnIn Vs. Dave

When comparing EarnIn and Dave, it’s essential to understand the differences in their features and fees to determine which paycheck advance app is best suited for your needs. Here’s a quick comparison of the two apps:

Advance AmountUp to $100Up to $75
Monthly FeeNo mandatory fees, option to tip$1
Eligibility RequirementsDirect deposit requiredDirect deposit required
Balance ProtectionBalance Shield optionOverdraft protection
Approval TimeSame-day approval possibleUp to 3 business days
Additional FeaturesHealth Aid team to negotiate medical billsOffers loans instead of just advances
BBB RatingA-Not rated

While both EarnIn and Dave offer paycheck advances, EarnIn allows users to access more money per advance without a mandatory monthly fee. However, Dave offers both advances and loans and provides overdraft protection. Ultimately, the best app for you depends on your financial needs and priorities.

EarnIn Vs. Brigit

Indeed, both EarnIn and Brigit are popular options for paycheck advances, providing users with different loan amounts and fee structures. Selecting the right one for your needs may require a comparison of their features. In this section, we’ll put EarnIn and Brigit to the test to see which one comes out on top.

Loan AmountsUp to $500Up to $250
Interest & FeesNo mandatory fees or interest rates; operates on a tip-based system$9.99 monthly fee for access to paycheck advances and financial tools
RequirementsProof of employment and income, as well as a regular payday and checking accountDirect deposits into a checking account, no minimum income requirement
Overdraft ProtectionBalance Shield featureYes, included with monthly fee
Additional Financial FeaturesNoneBrigit Score to help users improve their financial health

It’s important to recognize that EarnIn and Brigit have pros and cons. EarnIn offers larger advances and flexibility with its tip-based system, but some users have reported issues with incorrect payment withdrawal dates. On the other hand, Brigit charges a monthly fee but in return, offers overdraft protection and financial tools like the Brigit Score. Ultimately, the choice comes down to your financial situation and preferences, so consider your options before deciding on a cash advance app.

EarnIn Vs. Chime

When comparing EarnIn and Chime, it’s essential to consider each app’s different features and limitations. The following table provides a side-by-side comparison to help you decide which app might be better for your needs:

Offers up to $100 per day and $750 per pay period as cash advance.Offers up to $200 through its SpotMe feature.
Requires proof of employment and income for cash advances.Does not require proof of employment for early access to paycheck funds.
No interest or mandatory fees for advances.No interest or mandatory fees for advances.
Offers Balance Shield feature to help users avoid overdraft fees.Offers SpotMe feature to help users avoid overdraft fees.
Available only for W-2 employees who receive their paycheck by direct deposit.Available to a wider range of workers than EarnIn.
Faced lawsuits regarding its tipping feature.Faced criticism over its customer support.
Has a rating of 4.6 stars on app stores.Has a rating of over 4.7 stars on app stores.

EarnIn and Chime have advantages and drawbacks, so carefully consider your needs and priorities when selecting a cash advance app.

Understanding EarnIn Cash Advance App

Learn about EarnIn’s approval process, credit score impact, and compatibility with banking apps like Chime.

How Long Does It Take To Get Approved By EarnIn?

Getting approved by EarnIn typically takes two to three business days. The app requires proof of employment and income to qualify for an advance, which they verify before approving a user’s request.

Once approved, users can withdraw up to $100 per day and $750 per pay period. It is important to note that using EarnIn is essentially borrowing against your next paycheck, so it should be used as a last resort option for unexpected expenses or emergencies.

Does Using EarnIn Affect Your Credit Score?

Using EarnIn does not affect your credit score since there is no credit check when you apply for a cash advance. This makes it a great option for people who are trying to avoid the negative impact on their credit score that comes with traditional loans and credit cards.

However, it’s important to note that if you fail to repay the advance on time and overdraft your bank account, your bank may report this information to ChexSystems, which could negatively impact your ability to open a new checking account in the future.

To avoid this, make sure you have enough funds in your account on the scheduled repayment date or consider rescheduling the debit if necessary (limited once every 180 days).

Does The EarnIn App Work With Chime?

Yes, the EarnIn app does work with Chime. Chime is an online financial app that offers early access to paycheck funds and high-yield savings. This means that if you are a Chime user and meet EarnIn’s eligibility requirements, you can use EarnIn to draw from your earned wages before payday without paying mandatory fees or interest rates.

However, it’s important to note that even if you use the EarnIn app with Chime, you may still be charged overdraft fees by Chime if you don’t have sufficient funds in your account.

Alternatives To EarnIn

Other options for paycheck advance apps include Albert, Empower, and Dave, each with their own unique features and eligibility requirements.


As an alternative to EarnIn, Albert is a financial technology company that provides users with a range of tools to manage their finances. The app offers automatic savings features and the ability to invest in exchange-traded funds, making it an attractive option for those looking for a comprehensive financial management tool.

In addition to paycheck advances, Albert also offers cash advances on upcoming bills. However, it’s worth noting that, unlike EarnIn, Albert charges a monthly subscription fee ranging from $4 to $12, depending on the plan chosen.

While this may be less appealing than free-of-charge options like EarnIn or Dave, its budgeting tools could help prevent users from falling back into a cycle of debt associated with many payday loans and paycheck advance apps.


Empower is a paycheck advance app that offers an alternative to using EarnIn. Similar to EarnIn, Empower provides interest-free advances of up to $250 for unexpected expenses and settles up by deducting the advance amount from your next paycheck.

If you’re looking for more than just a paycheck advance app, Wealthfront may be worth considering. Wealthfront offers automated investment services, a high-yield savings account, and free financial planning.

The Wealthfront Cash Account allows you to save money for emergencies and larger investments while functioning as a checking account with early access to paycheck funds.


Another popular paycheck advance app to consider is Dave. Like EarnIn, Dave offers cash advances up to $100 without interest or credit checks. However, what sets Dave apart is its focus on providing overdraft protection and account management tools.

In addition, Dave’s Side Hustle feature helps users find additional work for more income while credit-building services such as credit reporting to major bureaus are also available.

Identity theft protection services are also provided by Dave.

Our Takeaway: Is EarnIn Right For You?

In conclusion, EarnIn can be a helpful tool for those who need to access their earned wages before payday without excessive fees or interest rates. However, it’s important to remember that using the app should only be a temporary solution and not rely on the long-term.

If you’re eligible and responsible with your finances, EarnIn may be right for you. But if you prefer a more traditional savings approach or have concerns about the potential overuse of the app, alternatives like Albert or Empower Cash Advance may better suit your needs.

Earnin Review

EarnIn is an app that lets you access your paycheck before payday. It doesn’t charge interest or mandatory fees, but does have withdrawal limits. It’s easy to use and has features like Balance Shield to prevent overdrafts. It’s a good option if you need money quickly and can manage your finances well.

Product Brand: EarnIn

Product In-Stock: InStock

Editor's Rating:

Article Sources & Helpful Links

Here are some helpful links that could help you learn more:

  1. Earnin Official Website
  2. Evolve Bank and Trust Partnership with Earnin
  3. Earnin Terms of Service
  4. Consumer Financial Protection Bureau on Early Wage Access Products
  5. Consumer Financial Protection Bureau on Bank Accounts
  6. Consumer Financial Protection Bureau on Credit Reports and Scores
  7. Earnin App on Google Play Store
  8. Federal Trade Commission’s Bureau of Consumer Protection

EarnIn Review (FAQs)

What is EarnIn?

EarnIn is an app that allows workers to get an advance on their paycheck up to two days before payday. It is an alternative to payday loans and is available in the marketplace for app users.

Is EarnIn legit?

Yes, EarnIn is a legitimate app that has received positive reviews from users and has been accredited by the Better Business Bureau.

How does EarnIn work?

EarnIn allows users to link their earnings to the app. When they need an advance, they can request it through the app. EarnIn verifies their information and deducts the amount of the advance from their account on their daily and pay period.

How long does it take for EarnIn to verify my information?

It can take up to three business days for EarnIn to verify your information. Once verified, you can start using the app to get an advance on your paycheck.

Are there fees or interest on advances from EarnIn?

EarnIn does not charge interest on advances. Instead, they offer an optional feature called Balance Shield, which helps users avoid fees and overdrafts by adding money to their account if their balance falls below a certain amount.

How much can I borrow from EarnIn?

EarnIn allows users to borrow up to $100 per day, depending on their earnings and spending patterns.

Does EarnIn verify my employment?

Yes, EarnIn verifies your employment by connecting with your employer. They may also ask for additional documentation to confirm your employment status.

What is EarnIn Express?

EarnIn Express is a premium feature that allows users to receive their earnings directly to the app. It also offers additional benefits, such as increased limits on advances and faster verification times.

Is EarnIn the best option for getting an advance on my paycheck?

EarnIn is a good option for those looking for an alternative to payday loans. However, it may not be the best option for everyone. It’s important to consider rates, fees, and your financial situation before using any financing product.

Does EarnIn automatically deduct the advance from my paycheck?

No, EarnIn does not deduct the advance from your paycheck. Instead, they deduct the amount of the advance from your account on your daily and pay period. It’s important to make sure you have enough funds in your account to cover the deduction.

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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