EarnIn Reviews

I’ve been using EarnIn for about two years and for the last two months it’s been nothing but problems. It started when my bank made enhancements to their online and mobile banking app.( which is not uncommon most financial institutions do that all the time). I work for the same employer, it’s the same bank account and pay schedule. Every time I actually am able to cash out it’s fine I receive the funds at lightening speed. The funds come and for the next two weeks EarnIn is fine. As soon as this app takes their money. They can’t access my bank, it’s connection issues, EVERY screenshot I upload “there’s a hiccup”. I chat with the customer service reps constantly to be told to update my bank login( it doesn’t let me do that, says bank is confirmed and attached), they say it’s my bank and pretty much they’re working to resolve the issue. It’s very annoying and I feel as if there’s a glitch somewhere but they don’t care enough to fix it. Update: there’s still a constant connection issue with my bank which is FedEx credit union. I’m not sure if the relationship is not available between the bank and this app but after they took their debit this week I was told pretty much connect a new bank or I can’t use EarnIn due to the issue with my bank. I tried connected my second bank account first horizon and of course they have a connection issue with them as well. At this point I’m giving up on this app and plaid with the connection issues.

I downloaded EarnIn believing that I could use it based on the FAQ section in EarnIn . I’m salaried so I don’t have a timesheet that I can upload. EarnIn is supposed to detect when you’re at work by using GPS. However, this has not been working for me. I do travel to other locations as part of my job and I was told that this may be why EarnIn could not verify I was at work. I do work at the location that was verified in my app most days but it still didn’t record any of that time. I know people who have used EarnIn when working for companies like Walmart where their timesheet is uploaded to EarnIn and this worked out well for them. EarnIn needs to be tailored better for those who do not use a timesheet. Customer service was okay but it took them a minute to realize that I wasn’t hourly (despite this being listed in my profile), and a large portion of their responses were obviously copied and pasted (which I don’t necessarily mind if we can figure out the issue quickly). They also listed out several factors that had to be in place for EarnIn to work such as location services being on high accuracy, etc. which were not stated upfront (and which I could not find in the FAQs either). I’m using the Dave app now which is a better fit for me and those times when I just need a few extra bucks until payday. I’m disappointed in the lack of communication and instruction from EarnIn upfront and it’s inability to truly track my hours.

I’ve been using this app for about a year now. It started off great & ran smoothly there were no issues with my bank or cashing out. I recommended it to all my friends and now I regret doing so. I went from getting my questions answered within an hr to having to wait an entire day IF they respond instead of just closing my tickets. The worst part is for the last 3 pay cycles they’ve been debiting my account days ahead causing overdrafts. I’ve been going in circles trying to get the support team to correct this to no avail! They just keep asking me to send screenshots that no one is clearly taking the time to go over. Nothing has changed for me to have continuous issues all of a sudden after months of using EarnIn successfully. My account is now in the negative & I’m receiving emails saying my bank has bounced part of their drafts so my account is on hold. You can’t draft my account 4 days early and blame it on my bank when my pay schedule is in your system and I’ve sent countless pay stub after pay stub reflecting my deposits! To make matters worse as a result of their screw ups my pay period max has been reduced from 600 back to 100 after I worked to build it and never had an issue paying back until they started debiting early. Customer service has really declined and EarnIn really seems to be going downhill 2 of my friends with different banks have also been experiencing the incorrect debits dates . I’m really disappointed!

I started using this app a year ago. My linked checking account was a Suntrust account. In October 2021, Suntrust merged with BB&T and became Truist. While I did experience inconvenience every time I used EarnIn after the migration, I was able to contact support to chat with a supervisor and have my repayments manually verified. Each and every time, it was verified that my repayments went through successfully and on time. And each time, a supervisor manually reinstated my pay period max. This was inconvenient but it worked. Each time, they would tell me that they were aware of the bank migration issue and their technicians were working on getting a “better connection” with Truist.
This latest payday, I am following the routine by contacting support. To my surprise, I was told that my bank account was unverified and asked to wait 48 hours while they sent small transactions to my checking account to make sure they had the correct routing and account numbers. I waited until I saw a 0.01 transaction on my banking app and reached out to support again. 4 hours in chat and they verified everything was correct on my end but my bank still couldn’t be verified. How???? You obviously sent the penny, right? “Yes, but your bank still is not linked “.

Please make it make sense this app! So now, I am unable to use this app as they cannot manually review for reinstatement. How??? You’ve been doing it manually for 3 months. I really don’t understand the logic here.

I first got EarnIn and could only borrow 150 for quite a while, at least 6 months. Then all of the sudden my limit started going up and with in about a months or two my limit went all the way up to 500. The whole time from when I started I always followed their suggestions for how to increase your limit. I tipped the same amount every time I borrowed and my bank account never had anything over drawn or bounced checks. Then a few months later my limit starting going down by 50 each perriod and is back down at 250 despite me working more hours, getting a raise, a bonus, still following the suggested guidelines, and generally just earning more money. It seems that there is more that they take into consideration when setting limits that they don’t tell you. The service is nice when you need it but with so many other services offering the same thing, I might try one of the others to see if they are more transparent about what drives the decisions to set the limits. It seemed odd that I am now more financially healthy than I ever was in the past and my limit keeps getting cut. On the other hand I am more financially healthy so I actually do not need services like this one so much. So I guess the limit decreases don’t effect me if I don’t use the service. Don’t get into the habit of having to max out this service every pay perriod though because you could get screwed when they randomly decide to start cutting your limit.

This is too good to be true you might wonder, like I did, so when they asked for my bank information and were verifying it by adding a dollar then subtracting it I thought I just fooled myself. I waited it out because I had no other choice, and thank goodness I did. Because EarnIn literally fed me when I was going through serious hardship and they helped me pay off my overdue credit card on time by just allowing me to get the money already earned at work. Even through this Pandemic, they’re still operating and doing the best they can. This was my only issue: my bank is a credit union, so direct deposit hit a day early but always in the afternoon, so this app deducted the money I borrowed that morning as they should, making my account negative and incurring overdraft fees. I thought this was part of the “catch”. I contacted their support team late at night (I think around 11 or 12) because I commute 2 hours and a half to and from work (each way. Yeah, I was really going through it that year) and told them this app pulled too early in the day. They asked me to screenshot the overdraft fees for a refund, which happened right then and there and allowed me to quickly get groceries before the train came.

All in all, if you’re really going through financial hardship, please trust on me that this is the perfect app. I’m writing This because I’m having one of those “I’m grateful for this “ moments. Thanks for taking the time to read :)

So, I’m a dumb millennial in an expensive world working an underpaid job. Story of a lotta lives these days. With my budgeting skills (or lack thereof), I had to limit myself to 10$ a day for food after I got my paycheck. Sometimes I had to go a day without a meal out of paranoia for not being able to pay my rent. But then Snapchat showed me an ad for this app and I thought what the hey, right? I gave it a shot and I NEVER went back. this app is AMAZING!! You can choose how much money out of your work week that you need on the spot, you can pay it forward and help others unable to tip, it rewards you with more cash outs as you use it, and it’s helped me finally feel good about the work I do! Now I’m not starving myself when I get into work, and I’m able to even sometimes treat myself confidently knowing that I still get what I need for my rent yet also can get some in advance for myself! I love EarnIn and I really wish I could help spread the word. Every time I tell my friends about it, they are scared about sharing their bank info with a third party app, but it’s super safe. I even used the chat room on my first week since I was scared and they walked me through every insecurity! In this day and age we are so paranoid about our money, but I promise, this is an app that has nothing to hide. Besides- ITS YOUR MONEY, they’re just helping you get it!

When I first read about EarnIn I actually had to re-read the whole thing twice! Why... it really sounded too good to be true... I man who does this ? They really do “give” you a pay day advance fo FREE! What’s the catch? THERE IS NO CATCH! I’ve borrowed 100$ a day for four days in a row... yes, $400 bucks. I’m in sales so some weeks it’s feast or famine- if that’s you too - the EarnIn is for you. I’ve saved soooo much money in NSF fees - the fee was 35$ and sometimes I incurred it just to buy groceries for me and the kids, knowing my next check was being deposited in a day or so. Since downloading EarnIn - I’ve never had one since - you saved me hundreds.

We’ve all been there .... EarnIn is really is a life saver. I am so pleased to know there are kind souls out there who have designed EarnIn so we can all benefit from it if needed - When I read how som people gave EarnIn a single star - I just don’t understand how or why as it literally costs you nothing and you can tip if you want to or not if you don’t. There’s no reason for anyone to give y’all lass than 5 stars: I’ve only given three app reviews in the last 10 yrs so it means so much to me to have EarnIn protecting me and my children. THANK YOU AND YOUR DEVELOPMENT TEAM - I’ve told everyone I know about how great EarnIn is!
We all need help - the level is different. G-d Bless you all!!!!! ************** A+

I actually don’t think I’ve ever written a review for an app, but I must say that today your app and your customer service just solidified me as a huge fan of this app. Back in October, I made the difficult decision to relocate with short notice because hurricane Michael destroyed the area I was living in. Naturally, it took a toll on my finances and I’ve been getting back on my feet very slowly. Today, when checking my bank account, I saw a bill that I forgot was on autopay had withdrawn, leaving my account open for an overdraft fee. Panicked because holy crap why are the fees so much? Jumped on EarnIn, saw I needed to update everything, so I opened chat support. Vince, the chat rep, was seriously more than kind to my plight and not only fixed my account but told me that if I put my bank card on file, the funds would be available ASAP, rather than 1 business day later. VINCE, thank you for helping to restore some of my faith in the customer service industry and just humanity in general. I think we can all take a page out of your book when it comes to being kinder to strangers, as you just never know what’s going on in their lives. Be the reason they can smile and forget their worries for a minute, just as Vince was able to do for me. Thank you again, Vince, and this app for everything you guys stand for!

Yes, I know, too good to be true, right? But I’m telling you, EarnIn is absolutely everything it says it is. I looked into a few of these apps, & all of them have either a monthly fee or the money takes days to show up. If it’s an emergency, I don’t have days to wait, I need the money now! With the Lightning Speed it only takes a few minutes to show in your bank account. I was surprised to see that my bank was listed, since it’s a small town bank with only 4 locations, but it was there. Also, with my job, I’m only in the office for a few hours each morning, then I’m working the rest of the day driving. I was afraid the location services would only show me getting paid for a few hours a day, but this was not the case. It shows the entire day’s pay.

There is only one improvement I would suggest. There have been a couple of occasions when I was off work for a few days because of illness or vacation. I was still getting paid for those days with sick leave or vacation leave, but EarnIn showed no earnings since I didn’t physically go to work. Therefore I could not cash out until I returned to work. There should be a way to verify that these are paid days off, making it possible to cash out before returning to the job. Other than that, EarnIn works perfectly.

Though I wasn’t fully sure on whether I was gonna like EarnIn when push came to shove I would’ve went hungry most nights without it . My job at the time was very close to where I was staying so commute wasn’t a huge issue . When covid first hit my manager got it so
I had to quarantine for two week with no pay so money was tight for about a week of that and the weeks prior waiting for a paycheck to hit my account . It was also helpful when I got covid myself . I was out for two weeks some days I spent in the hospital even though I’m only 21 . Covid hit me hard and I could only access the money that I had worked for the two weeks prior being it was bi weekly pay . It helped me stretch that money as long as I needed to with the low funds alert feature . It paid for some of my prescriptions I couldn’t wait for because I have no health insurance. Those prescriptions are one of the biggest reasons I’m alive today . I know that some may find it weird that an app like this can hold such power in simply getting money you work for when you need it , but when you live paycheck to paycheck sometimes that extra 50$ can be the reason you eat that night . I can never express how thankful I am I found this ! 🥰

First off, this is a real unbiased review! EarnIn is really easy to use and convenient. I rather borrow money from myself than ask someone for a hand out ! When you have something due rather it’s rent, mortgage, credit or utility bill, you don’t have to worry about it being late . Hey sometimes life happens and I’m so grateful to have EarnIn. You can easily add your employer and bank info to this app. It tracks your working hours in the background , and it allows you a weekly limit based off your direct deposits from your job. Your max payout weekly could be up to $500. Anyway EarnIn is perfect but please use it wisely. You wouldn’t want to get put behind from always having deductions from your checks! Try not to spend your check before you get it !

Ps: if you’re unable to use EarnIn it’s definitely because of your job. I work at Pfizer and my checks that are deposited weekly to my bank acc also says Pfizer . Now if some of you have jobs that aren’t even popping up on the map when you enter your employers address then naturally you’re going to have a hard time verifying your employer , and most definitely when it comes to tracking your work hours . Furthermore , if your weekly max keeps changing by the week it’s probably due to the high amount your borrow in comparison to how much money you actually make in a pay period .

Aside from providing cash for those living paycheck to paycheck, EarnIn provides an option to tip extra to help others, amazing customer service, a community of big hearted people, automated savings partitions, automated balance shields to prevent overdraft and free instant deposit.

The people that made EarnIn and their employees are really all about helping each other out. I wanted to test out the deposit speed if I was facing an immediate overdraft and pulled out a portion of my coverage. I tipped 20% of my withdrawal as it wasn’t a same day need (they cover your instant deposit fees) and I was alerted that my tip was covered by another user who paid it forward. They show how many others you can help out by increasing your tip as this is basically a free service. The quality of service they provide while being short staffed is great, they must be working night and day to still ensure that people are activated as quickly as possible. EarnIn is all about paying it forward and helping each other overcome the financial obstacles we are faced with in our society.

It’s amazing to see the power of good will in action and EarnIn/community is a perfect example of selfless kindness. Knowing that someone has your back when your down is incredibly inspirational. They are the real deal.

Let me start off by saying just like majority of the people that download EarnIn and give it a try I was VERY skeptical as I am with most things online these days. It honestly just sounds to good to be true. But this is not a fake review so let me be the first to tell you EarnIn is 100% legit. Now as far as the trouble people is having you have to expect it especially when your dealing with a government banks but after the approval from your bank and employer you are pretty much good to go. I personally had times where I just needed some extra cash just to hold me to hold me over till my next payday and was force with the only option was to get a rip-off payday loan. Sometimes u may be in need of a simple credit card payment due or a bill or even gas to commute to work for the rest of the week and don’t need a loan for hundreds of dollars EarnIn helps with that on another it’s crazy because something like this is for the average 9-5 worker who often overlooked. EarnIn is a game changer and I def think of you are skeptical give it a try and see how it works! Do not listen to negative reviews everyone don’t have common sense use your own.. On another note I’m surprised this is even legal lol most of the good thing that are created to help society terrible people put a stop to it. I hope EarnIn blows up and change lives and outlooks as it did mines!

I’m a single mom. Life gets expensive. I work hard as a critical care nurse. People think nurses are rich. We are not. So often I live paycheck to paycheck. I would over draw & get in a bind & not know what to do. Or the gas bill would be due & I’d come home in winter to no gas. EarnIn has helped keep me a float. I haven’t over drawn my acct since using EarnIn. Giving a tip to this company is so beyond worth it & cheaper then over draft feels. If I can’t spare but $3 they accept it with a kind thank you. If I can give more I do. As long as you remember what you cashed out, you will be fine come payday. I get paid & they take out what I already withdrew through EarnIn . I can see how this could get some people in a bind. What helps is they adjust what you can withdraw based on how you use EarnIn & how you repay it. Only take what you need & remember it will deduct. I have truly been blessed & grateful to have found EarnIn. It’s been a life saver & changer for single moms & or life those that life just seems to always happen to. Thank you for creating this and I hope it never goes away. I tell everyone about this. Great job.

An idea to the creators. Maybe send a reminder text the day before payday to remind people what’s being deducted. Or at least have the feature option where if people want reminders th they can set how often to get them.

I have been trying to no avail to set up EarnIn. 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 EarnIn 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 EarnIn 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.

A couple years ago, I used this app for its cash out feature - and I was so impressed. I signed up for lightening speed, and it saved me a couple times when I was in line at the grocery store and realized my groceries added up to more than I thought (I was able to cash out while standing at the register, and then swipe my debit card). It saved me in other instances too, and I always had great interactions with customer service. Not to mention, choosing how much to tip (how much to pay for the privilege of borrowing the money) made me really appreciative and feel I could trust the company.

Recently I was looking for a savings account, and saw this app had this new feature called tip me. It has a limit of $2k, but provides the ability to divide your savings into multiple jars (Christmas, vacation, etc). On top of that, it assigns you tickets for a chance to win some cash for every $10 you save! The account does not provide you interest, but I feel that this app chooses to be ethical because they cap the combined savings at $2k. So once you reach a goal, or get near $2k, you can transfer the money to another savings account that pays interest.

My experience with the company has been excellent, and I think very highly of the development of their app. They’ve combined fun with money, and I look forward to see what else they develop!

Okay. Let me start off by saying THANK YOU to EarnIn developers, the ones who run this app and everyone involved in this process!!
When I first downloaded this app, 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! EarnIn 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 this app and helping us when needed!! ❤️

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 EarnIn 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 EarnIn and use it instead do yourself a A favor stop letting cash advance companies and banks rip you off switch to EarnIn and you’ll not regret it very happy customer from Brookings Oregon

I’ve been using this app for a couple months now and I have to say at first I was skeptical, I mean an app that’s supposed to link to your account?? I was really strapped for cash and my credit limit was maxed out when my car broke down, thankfully I was able to stumble across EarnIn. It took 10-24 hours for them to verify and link EarnIn to my bank account but as soon as I did I was able to cash out $100 within minutes it went straight to my account. If you are on the fence of opening another credit card try EarnIn first. As of now there is no MANDATORY fee but optional tips that keep EarnIn afloat and as with credit the better you tip and pay back your cash outs the better your cash outs can be. This pay period I got a boost to be able to front $200 from my next paycheck as opposed to the initial $100. One problem I’m seeing a lot of people have with EarnIn is that it is like a credit card account in the fact that your payment takes up to two days to process so if you don’t have the money in the account it can definitely leave you overdrawn because it comes out of your account the day of or the day after your paycheck automatically. I have and will continue to recommend EarnIn so long as privacy and fee policies don’t change too drastically in the future. Thanks this app for helping take the edge off life’s ever sharp blade! ✊🏼👍🏼💸💰

this app has been wonderful for me. Whenever there has been a delay in the ability to allow me to cash out (change in pay plan, error in the system not calculating my time at work, etc) their support team gets it resolved right away through their chat service. And it’s real people talking, not just a robot. Sometimes I’ll cash out when I don’t even need it, because it’s great to be able to get a $100 cushion whenever I want. I know I pay that back of course, but I’ve never had an issue doing so. Also, there was a time that I relocated, borrowed $100, but costs of relocating arised and I knew I couldn’t pay it back on the scheduled date that they were going to deduct it from my account (also because my pay plan and pay dates changed) So I simply chatted with a rep and he moved my payback date to the following pay date without question or hesitation. This service is really here to help you out. And will work with you whenever you need them. Whenever you chat with support, you’ll get an email to rate your experience with the rep and a picture of them. It then gives you the option to select a reward for your review (boss buys them lunch, free Starbucks coffee, or a gift card). Be sure to always give them good reviews and click a nice reward. They truly deserve it.

When EarnIn was installed by me at some 2 am in March 2019 I was just trying to get a bit of grocery money together since my wife and I were broke and in dire need. Now, as I write this in June on the 27th at 2:54 am I can say in confidence- to you, and anyone who reads- if you’re like me, although this is unique to my situation: a over time cramming working guy with a wife who’s in college and who’s federal aid (GI bill) has yet to hit and ease the bills that pile inevitably with one income- you need EarnIn. I don’t mean to seem grateful, I am, I mean to sound awestruck! EarnIn is saving my life, in that exact sense! If I did not have this app to help hold back the tide of hands that, honestly deserve the money from my accounts for the services I use- phone, insurances, vehicle note, credit card installments to name the choice ones- if I DID NOT have this app, my way of living would be thrown all the way out of proportion and I’d be lost in debt that would %100pile up if I didn’t take care of it immediately . this app lets me access my hard earned money fast, securely, and reliably when I need it. That is everyday nowadays mind you- everyday, and this app has not let me down once. :) I won’t let them down either. Get this app, and be sorry *only that you didn’t get it sooner! •John• ~La Porte, Texas~

At first, I was extremely skeptical with EarnIn. I thought any app that it going to have access to pay statements and effect your money directly has to be too good to be true or just a downright scam. I was definitely wrong when it comes to this app. I get paid biweekly and sometimes it can be quite the stretch to go without having access to any of the money that I make over the two week wait. this app gives me access to the money that I’ve worked for while not having to wait for payday. I can’t be thankful enough to the creators and those on the this app team! And when I had a question about something involving a feature on EarnIn called Lightning Speed (which gives you access to your money within minutes instead of a day) not only did they explain that making a cash out before activating the lightning speed feature would mean I’d have to wait, they went the extra mile and cancelled my cash out so I’d be able to do my cash out again but have Lightning Speed available. EarnIn is an absolute must for those who want or need their money early for whatever reason. And the way that the this app community supports itself and everybody that has EarnIn works together via the tip feature is utterly and absolutely genius! Would definitely recommend!

EarnIn has saved me from over drafting and going without food or gas for my car. I really like how it keeps track of your hours based off your location and that when you actually get paid from your job active hours does NOT wait to take the money. There is no surprise chunk of money missing from your account a few days later because of the transaction processing.

Update: I still absolutely love EarnIn. It has saved me time and time again from over drafting or not being able to purchase something I needed. I don’t know exactly how I found EarnIn but I found it exactly when I needed it. I was being over worked for crap pay and getting paid every two weeks. I couldn’t afford to live with my job and my work schedule didn’t allow for me to have a second job. EarnIn saved me from so much turmoil and emotional breakdowns. I was able to get that extra bit of money I needed in between pay checks to eat and put gas in my car to get to and from my ridiculous job. I’ve since been working a job with normal hours and pays me well, I could even get a second job if I wanted to. I don’t use EarnIn nearly as often as I used to but I am SO grateful that I have it just in case. Thank you for this.

I have been trying to get this loan for hours