Securely link your bank account, then verify your identity and employment.
02
Access your money
Transfer up to $150/day (with a max of $750 per pay period1) to a linked bank account.
03
Get more out of every day
Get your paycheck up to 2 days early2, help avoid overdrafts3, and plan for what's next.
Millions of customers are using EarnIn to get money moving
"EarnIn fills the gaps when I don’t want to dig into my credit or savings."5
Nina
EarnIn customer since 2020
5-star reviews
460K+
App downloads
19M+
Cash Out
Why wait for payday?
Access your money in 1-3 business days at no cost / in minutes starting at $2.99.1 No mandatory fees, no credit check, no interest.
Early Pay
The best way to get your paycheck? Early.
Now your direct deposit can land in your bank account up to 2 days sooner — just $2.99 per expedited transfer.2
Balance Shield
Why leave your bank balance to chance?
Help protect against overdrafts wherever you bank with custom alerts and automatic $100 transfers from same-day pay (with a max of $750 between paydays).3
Credit Monitoring
Why wonder about your credit score?
See your VantageScore 3.0® by Experian® right in the app.6 Stay ahead of surprises and potential fraud — did we mention it's free?
Tip Yourself
Why hasn’t saving always been this easy?
Set yourself up to save every time you get paid with a no-cost, FDIC-insured account.4 Then kick back and ace your goals.
FAQs
Why EarnIn?
We believe hard work deserves same-day pay.1 Because you shouldn’t be stuck waiting for what you’ve earned. It’s simple: When your money moves more freely, so can you. More about our mission, here.
How does it work?
EarnIn accepts tips, not mandatory fees. You have the choice to pay what you think is fair (even $0) when you cash out.7 And if you need your money within minutes, you can expedite the transfer for a small fee.8
Who can I talk to?
Questions? Chat with your EarnIn Care Team via app or web — we're available every day of the week.
