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Get Your Paycheck Early
A paycheck advance app to help you get some of your paychecks in advance and open a savings account within the app.


Earnin is a mobile app that allows you to get a portion of your paycheck before getting paid, similar to a payday lender. Along with this feature, you can also open a savings account within the app and have the chance of winning cash prizes when you reach a certain amount of savings.

What is Earnin?

Earnin is a community-based financial institution that focuses on helping you get access to your earnings earlier than your payday and helps you save more money. Earnin’s unique process is that the system is built for emergency financial solutions, and it is totally app-based. You download the Earnin app, and you can start drawing money from your future paycheck, similar to payday loans but without exorbitant interest rates. At the moment of research, you could access the Cash Out feature in the Earnin app to get up to $500 from your paycheck per pay period.

Earnin promotes its services not so much as a financial institution offering personal loans and more as an internet-connected community of borrowers with access to no interest and no hidden costs for financial help. So if you’ve ever been stuck in the cycle of expensive bank overdraft fees or high-interest payday loans – then Earnin offers its customers fair and honest access to their earned wages before payday arrives, without having to use payday lending.

To summarize, this is an overview of what Earnin is and what it can do for you:

  • Allows the community of borrowers to access wages early to cover financial burdens.
  • Everything is done online through the Earnin app so that you can complete all steps at home.
  • There is no credit check required, only a fixed work location with an electronic timekeeping system.
  • The community supports the system that does not charge interest or fees for personal loans.

Is it for You?

Earnin is uniquely positioned to help you experience tight financial jams and improve your overall financial health. For example, some people get paid every two weeks, making it difficult to stretch money 14 days when you have a family and bills to pay. Today’s workforce also features many on-demand or contracted workers to work only when needed. This makes Earnin a great financial partner for the under-banked population, who otherwise would not qualify for a traditional personal loan.

It offers early access to your wages, and instead of charging service fees, the community donates small financial amounts or tips that may be used to help someone else in need among Earnin users. That’s the community portion of Earnin – people being helped and people helping others.

If you are looking for a cheaper solution compared to payday loans, Earnin could be that solution for you. For example, if you have an emergency auto repair, damage to your home that could cost more if not fixed quickly, and emergency medical needs such as buying medicine or paying for medical appointment transportation, Earnin could come in handy to cover the costs before you get paid.

You can always close your account once you’ve paid off all the money you have cashed out. So basically, you determine how long you will take to repay a loan – it’s up to you to repay it as fast or slow as you would like. And since Earnin does not charge any fees, interest on loans, or have any hidden costs, they depend on the community of borrowers to give back when they have a little extra.

Using the Earnin app will not affect your credit report, so you don’t have to worry about your present credit scores. The main qualifications of an Earnin early funds withdrawal are proof that you are employed and proof that your paycheck is direct deposited into a checking account. 

Other qualifications for eligibility for using the Earnin app include having an employer that keeps track of your work hours with an electronic timesheet system. Also, you must have only one fixed work location from which you clock your hours. You will also need access to the internet. The Earnin app works on desktops, tablets, or smartphones, so you can also check your account balance or request another personal loan anywhere and anytime.

How Does the Earnin App Work?

The Earnin process is quite simple if you’ve worked with other web-based apps in the past. First, you will download and install the Earnin app. Next, you will set up an Earnin account, create your profile, then you can decide the terms on how you want to get paid. Finally, a verification code will be sent to your email address to verify that you are actually requesting the advance on your pay.

Earnin will confirm where you work; they will calculate your pay in real-time based on the electronic time-keeping system at your workplace and notify you if you are approaching an overdraft risk. The app supports a wide range of banks, including Chase Bank, Wells Fargo, USAA, Bank of America, and many more. Once Earnin verifies your bank account and payroll information, you can start taking personal loans directly from your future wages and available earnings according to the restrictions per pay cycle.

Another feature of the Earnin app to help you avoid bank fees and other third-party fees is the bank balance alerts. You can set up notifications to advise you about low balances in your account and set up an automatic Cash Out to prevent overdraft fees.

Tip Yourself Account

Through the Earning app, you can now open an FDIC-insured savings account to help you save money. When you reach some savings, you get a WinWin ticket to enter the draw to earn weekly cash prizes. You can also set up savings goals and track your progress through the app.

Since Earnin is not a bank, they have partnered with Evolve Bank & Trust, a member of the FDIC that holds your Tip Yourself account deposits and insures them up to the allowed legal limits set by the FDIC.


Earnin app does not have any monthly fee service, and it is free to download and use. Since they don’t charge any interest in the money you borrow either, they rely on the community of Earnin users to add money to tip jars with what they think is fair for them to use the app. However, you may have to pay some third-party fees detailed in the app terms and conditions.

Earnin Customer Service

You can contact the Earning customer service by the live chat support 24/7 and reach them via social media, sending them a direct message on Facebook or Twitter. The Earnin website also counts with a comprehensive help section that answers questions to most commonly asked questions.

How to Get Started

If Earnin sounds like the answer to your financial needs, download the app and get started today. It only takes a few days for Earnin to verify your place of employment and your checking account information. So if you struggle between paychecks, face an unexpected bill, or want to save more money, then Earnin puts the power of your future wages to work for you.


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Why Us

Access Your Money Early

With the app, you can access part of your paycheck every period instead of waiting for payday.

Chance of Winning Cash Prizes

You have the chance of winning cash prizes when you achieve certain savings in the Top Yourself savings account in the app.

Manage Your Account Balance

Get notified about low balances and set up automatic cash-outs when you need them.


Access Your Paycheck Early

Sign up for the free Earnin app to access part of your paycheck early, stay on top of your account and open an FDIC-insured savings account that can win you cash prizes.

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