You shouldn't have to pay to access your pay
With EarnIn, there is no interest, no credit check, no mandatory fees1. Our competitors can't really say the same.
 | Similar apps | Short-term loans | Credit cards | Loans from friends |
|---|---|---|---|---|
| No interest | — | Interest | Interest | Mayyybe? |
| No impact to your credit score | — | Credit score hit | Credit score hit | Just social cred |
| Optional tips, no mandatory fees4 | Fees | Fees | Fees | Awk-ward |
Life doesn't happen biweekly — neither should payday1
Why do people love EarnIn?
With millions of customers, this is what people say they love most.
Don't wait weeks for payday
Get money in your bank in minutes with Lightning Speed2 for a small fee, or in 1-3 business days at no cost.
Pay your bills on time
EarnIn can help you save money, cover surprise expenses, and pay bills on time.
Get support when you need it
We strive to respond to your questions in less than 2 minutes.5 But we're always working to beat our record...
A simple, no-hassle way to get paid when you need to
Optional tips, not mandatory fees
Convenient app
Transfer money quickly and easily from the iOS or Android app on your phone.
No credit check
Your credit stays untouched. Get paid without worrying about hard or soft inquiries impacting your score.
See what our customers say about EarnIn
"I feel like EarnIn is looking out for you...They're also helping long-term so that you're not staying in debt." 6
Angela T.
"If I'd need to buy groceries or something for my son–for school projects, clothes, whatever–you just spin the wheel, hit the button, and the money's there." 6
Jason C.
"Due dates and pay dates don't always come together, so EarnIn really helps." 6
Eric M.
Frequently Asked Questions
Why does EarnIn need my bank information?
Connecting your bank account allows EarnIn to do its thing: deposit money, verify your identity, see your direct deposit history, and calculate your earnings.
Do I have to have a full-time job to qualify?
No. But you'll need a consistent pay schedule and to make at least $320 every pay period to use EarnIn.
How does accessing my earnings work?
When your employer paycheck lands in your linked bank, any earnings, tips, and fees are debited from your linked bank. You'll also notice your earnings start ticking up again once your paycheck lands. Your earnings will continue to tick up until you reach your Pay Period Max.
How much do I get when I sign up?
Qualified Community Members get access to $85 on average when signing up, but the amount can vary from $0-$150 depending on various factors.
How long does it take to see a higher pay period Max?
Qualified customers get $50-$250 on average when signing up. Your pay period Max is evaluated each pay period. Most customers receive a Pay Period Max increase within their first two pay periods. Good financial habits, such as keeping a positive bank balance and managing spending, contribute to Pay Period Max increases. The Pay Period Max is capped at $1,000.
