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Earnin: Your Money in Advance APK

Earnin: Your Money in Advance



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Description of Earnin: Your Money in Advance

Earnin is a simple way to access your earnings before payday—and live life on your terms. Get up to $100/day or $500/paycheck to cover any expense.‡

Cash advances and loans can be confusing, misleading, and costly. With Earnin, you can tap into the funds you’re already earning—for free.[1] Unexpected bill or upcoming rent? We got you. With Earnin, there’s no interest, no credit checks, and no surprises.‡

Here’s how it works: If you cash out $100, you get $100. Add an optional tip to support the community, and that’s it.[2] When payday comes around, we’ll deduct the $100 you previously cashed out from your direct deposit plus any tips.



Quickly receive your hard-earned cash ahead of payday, right to your bank account. We work with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and more.


Access your earnings in minutes with Lightning Speed transfers.[1] By taking advantage of the funds you’re already earning, you get a smarter (and faster) alternative to a cash advance.


Whereas cash advances and loans are packed with high interest and headaches, Earnin is designed to work for you with more peace of mind. You can even save a portion of your earnings using the Tip Yourself feature, to reach your next financial goal sooner.[3]


Balance Shield Alerts send you notifications whenever your bank balance runs low.[4]


The Earnin Financial Calendar also lets you know in advance when you have recurring payments coming up—no money surprises here.


Questions or issues? Our Live Chat team is available 24/7, 365 days a year.


1. Add your bank account and debit card.

2. Add the employer you get your paycheck from.

3. Verify your work email. Don’t have one? Turn on Location Permissions, and we’ll automatically add earnings to your Earnin account when we see you’re at your work address.

4. We'll verify your bank account, debit card, and confirm your hours worked. Then, Cash Out up to $100 per day (up to $500 per paycheck) and tip what you think is fair (between $0-14). [2]

5. On payday, we’ll debit your account for the money you cashed out + tips.*

For example, if you cash out $100 your future repayment is $100. Earnin has no legal right to repayment. For more information please see Earnin’s terms and conditions: earnin.com/TOS.


Earnin is not affiliated with Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay or Credit Karma.

Earnin is not a payday loan, a personal loan, or an app to borrow money. There's no interest or APR to cash out from your paycheck. Earnin does not require a minimum or maximum repayment time frame. It's simply your money, when you want it. Join Earnin today, and start making any day payday.‡

Earnin does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/tos.



[1] Fees may apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.‡

[2] Tipping options will vary between tools.‡

[3] Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts.‡

[4] Balance Shield Cash Outs are subject to your available earnings and daily/pay period Max.‡

**Current referral promotion valid thru May 15, 2022.‡

‡ Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/privacyandterms

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More Information Of Earnin: Your Money in Advance

lable: Finance - Apps Current Version:12.31.2 Publish Date:2022-06-22 Developer:Activehours Inc.

User Reviews


What's new with you? Please tell everyone.

Nora Aracely Covarrubias 2021-01-10

This is very frustrating. I was told I would get help with my issue. And it was not resolved. It resulted into me screenshoting the conversation with one of your agents. I\'ve been told one thing and I responded and then proceeded to tell me otherwise. I wrote very good reviews about this app. I love this app but this is making me second guessing myself. He made me belive that he would help. Why say things and not do what promised?? Go to the Dave app. They actually help you.
Use - EGAMER App :Get IOK DoIIar FREE 2020-10-14

This isnt a fake review to get people to download this app, lol. I personally love this app. Brigit wasn\'t able to help me because my only issue was that i had to use my card constantly. Here, yes it takes time to increase but you will get there. On a budget, saving money so I borrow from my next paycheck. I used to go paycheck to paycheck. Hence why I need to be on a budget because of my spending habit. This app is responsible for me saving. Don\'t have enough characters lol but love tip jar :)
Hypernuts 2020-12-24

Ok...you fixed the problem...great! Now, to keep from causing this issue again, please let us choose the way we want to process info like email types. A lot of us can\'t do some of these requests and it can make us feel inadequate. Please keep that in mind as you keep us secured in the future. I do appreciate the fix and I\'m glad I can still use this awesome app. Many thanks!!!!!!!
Ben Wulfert 2020-10-22

Started out as a really good app. As the year progressed however it\'s just been a gigantic inconvenience. It never recordes when I\'m at work, and I\'ve talked to support about this every single time I want to use it. I\'ve asked for a tech support email, which they never provide. I have changed phones, the phone providers, had a network reset, etc and it doesn\'t do it is supposed to. Now today that I really need to use it, it\'s not working like it usually does. 3 days of my time wasted.
Ryan Lynch 2020-12-19

This app sucks!!! It works 1 or 2 times if you\'re lucky. First time they took the money I owed them before my paycheck even cleared which gave me a $35 overdraft fee. Now they made sure they took their money back but won\'t update the bank balance to be able to borrow again. Such a waste and the \"tips\" they ask you for go to them not anyone from the \"community\". I\'m outraged and I\'d give negative stars if I could. Don\'t waste your time!!
Kyle McDonald 2020-12-11

This is the most frustrating app I have ever used. The issue is that it works great, when it decides to work. However, I have spent more time in this app\'s support chat trying to fix numerous issues than any other app I have ever used before. And the support itself isn\'t great either. I\'ve sat waiting to connect to someone for over 3 hours before, and then gotten no answers at all. Do not recommend.
Lindsey Newton 2021-01-14

It worked great at first, but I don\'t always get paid on the same day and now I can\'t cash out because of that. I\'ve sent screenshots, but because my deposit didn\'t go in when they thought it would, I can\'t cash out. Customer Service is absolutely impossible to get ahold of. I can\'t seem to fix the issue. I emailed the contact email below and immediately got a message that they no longer monitor that inbox. 🤦🏻‍♀️
Chris Payne 2021-02-27

So when you need the app the most, something randomly happens and they can\'t update your account. Then when you go to section to talk to customer support, the button to press in order to contact doesn\'t light up. In other words, they ain\'t got tine for you. This has happend so many times. They wont tell you in a email about which dates are needed. Why you can\'t get ahold of them, I don\'t know. Will they work with you on why you can\'t get ahold of them, of course not. And they owe me $425.50
Gloria Wilson 2020-10-13

When it works it\'s great. Every couple of months or so I have to update my bank info. So I reconnect (through Earnin) but it never clears that screen so I can borrow. It will still ask me to reconnect. The only way to fix it is to call customer service. They tell me to call my bank because it\'s a bank issue. I call my bank and they tell me it\'s earnin and to tell you guys what to do to fix. I call cs again and tell them what the bank said and boom it\'s fixed. What a hassle! Please fix this!!!
Monica Zincone 2020-11-28

Terrible. This app constantly has problems. WHENEVER I go to use it there is always an issue. Either I have to verify my work email for the 100th time, or I have to verify my bank info for the 1000th time. Or my \"earnings will update shortly\". Its always something and its always when I need the money more than ever. I have been using this app for at least 2 years now and its constantly something. I used to say 5 starts now I say 1 because I\'m over it. Then I spend 30 minutes online with the chat