1. Access up to $500 between paychecks, win up to $10 million just by saving money, get cash in minutes, explore savings options on medical bills, help avoid overdraft fees, and get cash back on purchases.
2. Balance Shield Cash Outs send up to $100 of your earnings directly into your account to help avoid the chance of overdrafts.
3. *Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max.
SIMPLE STEPS TO CASH OUT:
1. Connect your bank and tell us where you work.
2. Turn on Location Permissions - we’ll automatically add earnings to your account when we see you’re at your work address.
3. We’ll verify your bank and confirm your hours worked; cash out up to $100 per day and tip what you think is fair, between $0-14.
4. On payday, we’ll debit your account for the money you cashed out + tips.
• 75% of members say Earnin has increased their ability to pay for gas and get to work.
• 15M community members have tipped extra to cover a fellow member’s tip.
+ Cash Out
Get paid when you want; up to $100 per day, and up to $500 per pay period.
+ NEW: WeWin
Every $10 put away in your Earnin Savings Jar is now a chance to win up to $10 million in cash prizes! Set up an AutoSave schedule for your Savings Jar for more chances to win!
+ Lightning Speed
Connect your debit card to Earnin and receive your money in minutes, with no extra charge!
+ Balance Shield
Balance Shield Alerts notify you when your bank balance is getting low. Balance Shield Cash Outs send up to $100 of your earnings directly into your account to help avoid the chance of overdrafts.
+ Cash Back Rewards
Earn up to 10% cash back when you shop at participating local and national businesses.
+ GPS Earnings
GPS Earnings automatically adds your earnings to your account based on your work address. It replaces the need for a timesheet. For it to work, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address.
+ Live Chat Support
If you have any questions or issues with the app, our Live Chat team is available 24/7, including all holidays.
+ Financial Calendar
A budgeting feature that informs you of any recurring payments that are coming up.
*Tipping options will vary between tools.
*Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. For more information visit https://www.earnin.com/privacyandterms
*For Lightning Speed, transfer speeds may vary and could take up to 30 minutes. Other restrictions and/or third party fees may apply. For more information visit earnin.com/TOS
*Health Aid results are not guaranteed and in some instances, Earnin may not be able to negotiate any savings or payment options. Other restrictions may apply. For more information visit earnin.com/TOS
*Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max. Other restrictions apply. For more information visit earnin.com/TOS
*By using Cash Back Rewards (powered by Empyr) you allow participating merchants and/or card networks details of your transactions. Cash Outs may take up to 30 minutes, actual transfer speeds will depend on your bank connection. For more information visit earnin.com/TOS
*Restrictions and/or third party fees may apply. For more information visit earnin.com/TOS.
*NO PURCHASE NECESSARY TO ENTER OR WIN WEWIN: Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To view official rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/game-rules/ Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc.
Fast Fact Sources:
Source: 2016 survey conducted by Earnin with 1,070 participants
Source: Internal analysis conducted by Earnin on March 17, 2020
Me and my husband are a young couple in our 20s he works at Fred Meyer‘s for minimum-wage we get paid every Thursday I have to met I was Little bit on the skeptical side and wondering how much this would truly cost but I literally just set it up in about 12 minutes with the help of customer service chat which was extremely helpful and after 12 minutes of setting it up I borrowed $50 for my nail appointment so I don’t have to cancel it before me and my husband go visit his family it was in my bank in less than a minute and they honest to God let you choose the fee yourself they give you an option from no tip to upwards so you’re super tight you can Little but the tips of what keeps the community going in makes this possible are used to take cash advances from the bank on almost 2 dollars to the dollar this is an answer to prayers for people that have to have a few extra dollars for us he gets paid tomorrow we leave this weekend the only nail appointment I could get was for today on a Wednesday 24 hours before his payday this app was a lifesaver and the people who made it absolutely are putting people first so whatever you do never use the cash advance service again download this app and use it instead do yourself a A favor stop letting cash advance companies and banks rip you off switch to this app and you’ll not regret it very happy customer from Brookings Oregon
Okay. Let me start off by saying THANK YOU to the app developers, the ones who run Earnin and everyone involved in this process!! When I first downloaded Earnin, I was VERY skeptical to put in my banking information. I went on and took a chance when I got into a bind and I am so thankful I did! The app works by seeing your location and how many hours you are at your work address. I thought well, I can’t do that, I work in a different location EVERY day. It does connect to Tsheets and Brink, both of which my company does not use. They provide the option to upload timesheets! Once I screenshot my timesheet and upload it, my earnings are updated within 10 minutes! (I really appreciate YOU, the person who verifies these too!) I only use this in an emergency situation and it keeps people out of debt with check cashing companies which can really financially hurt anyone with the never ending cycle they get you into. Speaking of finance charges, YOU get to choose how much you want to ‘tip’. I ALWAYS tip, even if I’m running low. This service is ALWAYS here when I need it, they need to be paid for the time, efforts, and just for the simple fact they provided me with a service. Sometimes I do tip more because I know there are the people who take advantage of it and don’t tip anything. PLEASE TIP!! Keep this service going and at a low cost for EVERYONE!!! Thanks for an awesome job Earnin and helping us when needed!! ❤️
Running in circles
I have been trying to no avail to set up this app. For nearly 3 weeks they claimed they were unable to verify my bank account. Everything else had been able to verify. Then suddenly things changed and while my bank was verified, they were unable to verify my payday? What changed in that timeframe? They ask me to send screenshots and then claim that the account info doesn’t match what they have on their records...the same info that I typed in 3 weeks ago, for a bank account I’ve had for nearly 5 years. I then send more screenshots with carefully worded responses because there is clearly not a blanket solution to my issue. I the receive form responses or no response at all. I’ve worked in customer service and currently work in sales, if handled my accounts with such a laissez-faire attitude I wouldn’t have a job. Would love to use the app but it’s been nothing but an enormous headache thus far. UPDATE: about a week after my initial review, my problems were resolved. I have been using the app problem free for a couple months now and can say it is truly as good as it sounds. They give you the money, and it gets deducted when you get paid. I have a partial commission payscale, so being able to pad a light paycheck with money from my large check is godsend when the weeks don’t line up well for things like rent and student loans. I’m updating this to a 5 Star review.