Download earnin app

Bills due? Need gas money? Rent coming up soon? Move your money, and live your life. Earnin has over 1 million community members making any day payday. Connect your bank account where you get paid, and add a debit card 2. Add the employer you get your paycheck from 3. Verify your work email.

We'll verify your bank account, debit card, and confirm your hours worked. Just connect your bank to Earnin. The Earnin Financial Calendar lets you know in advance when you have recurring payments coming up.

Earnin is not a payday loan, a cash loan, or an app to borrow money. Earnin gives you access to your pay when you want it — with no interest, and no credit check. Join Earnin today, and start making any day payday. ET and end the following Monday at p.

Sponsor: Activehours, Inc. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. For more info: visit earnin. We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements. 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 this app 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. This was my only issue: my bank is a credit union, so direct deposit hit a day early but always in the afternoon, so Earnin deducted the money I borrowed that morning as they should, making my account negative and incurring overdraft fees.

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 Earnin pulled too early in the day. By clicking sign up, I agree that I would like information, tips, and offers about Microsoft Store and other Microsoft products and services. Privacy Statement. See System Requirements. Available on PC Mobile device Hub.

Description Customize, tweak, and play. Show More. People also like. Deezer Music Free. Microsoft Authenticator Free. FM Radio Free. Office Free. Additional information Published by Earin. Published by Earin. Are an hourly or salaried employee who uses an electronic timesheet at work. Have a checking account and are paid by direct deposit. Work independently or have multiple employers.

Consumer advocates warn that paying to get your earnings early is not a healthy long-term habit. Maintaining a budget that includes money for everyday expenses, savings and something fun can also help you avoid living paycheck to paycheck. Earnin disputes using APR to measure the cost of its tips; however, APR is the best apples-to-apples comparison across all credit products and can help you decide if one option is priced fairly compared to others.

If you use it sparingly, Earnin can be cheaper than overdrawing your account or taking out a payday loan. The company says all users get the same quality of service, regardless of whether they tip. To know that you went to work, the company requires an electronic timesheet or an uploaded photo of one. If you don't have a timesheet, the company asks for your geographic location data. Earnin also says it requires your checking account information, not only to send you money but also to adjust its withdrawal limits and promote responsible financial behavior.

For example, it scans your bank transactions to identify when recurring bills are due and when payday is, and may limit the amount you can withdraw if you have a bill coming due before payday. The company says it stores information in an encrypted form and won't debit your account for more than you authorize. Earnin can't track nonrecurring expenses, though, so you'll have to budget for costs such as doctor's office copays. The app has an overdraft notification feature called Balance Shield Alert that tells you when your account balance falls below a specific amount.

The amount sent will count toward your daily and pay period borrowing limits. Balance Shield Cash Out is free for one-time use.

When setting up the feature, Earnin invites you to pay a tip when it's triggered. If you don't set a tip, Balance Shield will protect you only one time. The app also offers assistance negotiating medical bills and finding payment plans through its product Health Aid. As with its payroll advance feature, the company says consumers can decide how much to pay for the service.

In August , the New York Department of Financial Services announced an investigation into the payroll advance industry, of which Earnin is a part. Banking regulators in 10 states and Puerto Rico are looking into whether payroll advance companies are charging illegal interest rates disguised as tips or membership fees, a violation of state consumer protection laws.