EarnIn: Make Every Day Payday App Reviews

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Great idea, not so great execution for credit unions. EDIT: Since Support could not resolve my issue and I'm unable to actually use this app, I have canceled my account. Original review is below. I love the idea of this app and it definitely came in handy the first and only time I was able to successfully use the app. However, despite Earnin withdrawing my money out of my bank account to pay back my cash out, I am now unable to cash out anymore money because they can't connect to my bank account. They have my correct banking information, they were able to deposit and withdraw money from my bank account, provided them with screen captures of my bank statement showing my recent paycheck deposit as well as Earnin withdrawal as both the app and their support department requested, but they still can't connect to my bank account saying that it's an issue with their provider that they use to connect to back accounts. This makes no sense whatsoever. Support told me that this is an issue other people that use my same credit union, but obviously they can connect to my bank account because my bank statements show that and there were no connection issues last week when I cashed out and they accessed my account to pay back my cash out. I was then asked if I have another bank account I could connect to. No, I do not nor does that some this issue. I would leave a five star rating otherwise if I could actually use the app again.

Not what it seems. Eventually turns into a gimme back. You end up just cashing out to keep the current amount of money you receive from your paycheck. You can’t just borrow how ever much you want and pay it back. It increases as you use the app more not because of “good spending” like it says. I eventually got mines to increase to 300 and requested another 50$ from a random person on their Facebook group. The next week when it was due to be taken out of my check, they never did. The app said it was unable to verify my check was deposited and stated it would try again but it never did. It did not give me the option to manually pay it back either. So the next week they finally took their money out of my check and reset my max withdrawal limit back to $100. So now I am not able to withdraw the other $200 dollars from the account. Like I said earlier it turns into a gimme back. Meaning you just end up cashing out because you want the money back. Everytime I get paid I think to myself, ok I owe Earnin $300 but I’ll just cash it out again so I can still have it. They’re are people on their Facebook group who are in deep like $700 and they say how much of a burden it is and wishes they never did it. Also just a reminder, you’re only allowed to take out a certain amount a day and after using the app for 4 months, it has never increased for me. It stays at $100.

Extremely disappointed. I started using Earnin 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 the app 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 Earnin! So now, I am unable to use Earnin 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.

Not worth the hassle since the rebranding. I’ve used EarnIn without issue for months, and have really enjoyed the flexibility of being able to borrow during those last few days between paychecks and providing a “tip” for the service. While the app sometimes does have issues and requires re-verification for payroll dates, that can usually be solved via a simple screenshot from your bank account and a live chat with customer service. Alas, since their most recent rebranding that convenience is gone. When I recently downloaded the new version of the application it somehow changed my pay date pushing it to 2 days earlier. After attempting to engage in a live chat (which BTW they no longer offer, you leave a comment and then wait for someone to get back to you) I learned that I somehow was no longer eligible for EarnIn since I got paid biweekly, which makes no sense as that is how I have always been paid. Further, in order to even utilize the service a screenshot was no longer sufficient. They required an hourly pay stub despite the fact that I am a salaried employee. It’s beyond frustrating as someone who has sung EarnIn’s praises in the past, but no more. Thanks to this new app upgrade I will be overdrafted (despite my pay date remaining the same). I’m extremely disappointed in EarnIn’s customer service. There are other services out there with equivalent deliverables and better service. If I could give them 0 stars, I would.

After today I’m no longer a fan. Update 09/06: This morning a community advocate did reach out to me and explain that my situation could have and should have been handled better and they did reimburse my overdraft fee and for that I’m grateful. My employer changed our paydays from Thursday’s to Friday’s and I reached out to support to update my pay cycle to reflect that. They told me that I would need documentation from my employer showing that the payday changed however my employer did not provide that to me. I had a debit scheduled to come out on Thursday that I wanted moved to Friday because of the new payday and they would not accommodate me. I then reached back out to support on my payday because at this point I have been charged an overdraft fee and requested that the fee be refunded. I was then told that I could not have my fee refunded because I did not provide documentation of the new pay day after I had already told them I wasn’t provided documentation from my employer so there was no documentation for me to give. If this app is supposed to be so helpful why would you cost me money instead of fixing an issue that could’ve been easily rectified? I personally feel like I’m being penalized for something that was beyond my control even though I tried to remedy the situation before this became a bigger issue. I don’t believe I’ll be keeping my account with them.

Customer Service. 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 Earnin. 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 this app, 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 Earnin for everything you guys stand for!

Great Service... If they could fix their constant problem.. UPDATE: It has been 5 DAYS since a response regarding my issue even after being transferred to a ‘Specialist’ horrible customer service for something they caused. When I first started using Earning things were great and working just as they should, first 2 weeks went smoothly only getting funds withdrawn once my check hit my account. Then 3rd week came around and withdrawn from 2 days early leading to my account having insufficient funds for upcoming purchases/memberships resulting in MULTIPLE overdraft fees... I went through support and got 1 overdraft fee reimbursed and was told this problem should be resolved. 2 weeks go by and ONCE AGAIN, withdrawn too early and overdraft fee hits my account. Go through support get reimbursed and am told this shouldn’t happen again and the system has been updated. During the support process they asked me what my pay schedule was and I told my specialist my checks ALWAYS hit on a Saturday and she insisted this to be Monday’s with holidays being the work day before. Few weeks go by and now I’ve been withdrawn from too early again, except this time I was withdrawn from in MULTIPLE different value transactions from Earnin causing me 3 separate overdraft fees. I contacted support twice got told they’d get me in touch with someone of a higher office, the higher specialist contacts me and hasn’t responded in 2 days since.

I couldn’t be more thankful to have found these amazing people.. I am a Full time Single Father/Parent to Two amazing and beautiful girls (11/13). They are obviously my world and I would give the world to them without hesitation. But being a single parent without any help whatsoever from my ex wife is extremely challenging being that I’m only able to work part time so that my kids at least get some feasible time with one of thier parents since the other has chosen to live all the way across the country. The good folks at Earnin have been there for me even when I didn’t have anyone else.. I hit some hard times and fell behind on my payment because both of my girls are born in December and to top it all off Christmas is all wrapped up into it. So now I’m only able to advance $50 down from the $200 I had made it up to.. which I won’t lie really hurts because it was the only real relief the three of us felt, but it’s my fault for not managing my money better. I shouldn’t make excuses. Just pay your bill and make sure you try to pay it forward at least from time to time drop a good $10 like I just did. They deserve the support. And don’t worry about lil ol’ me, I’ll find a way for us to survive, I always do. Peace, and Kindness to, and for Everyone.

It started off great.. This app is absolutely amazing if you will know for sure that you are using the same bank account forever. I started off with a chase bank account but unfortunately things happened and I needed to open a new account with a different bank. I am trying to switch my bank account on the app considering they raise or lower the amount you can borrow based on your pay checks and money that you have in your account. Due to me not using my chase account anymore I am a little nervous they are going to lower the amount I am able to borrow when they see that there is no pay checks being deposited. I’ve been trying to contact earnin before thanksgiving to try and switch my bank account. They keep saying to do it over the app but for some reason it’s not working for me. It keeps giving me an error message saying I’m locked out of my account and to unlock hit this button. I hit the button and it’s saying I have not registered yet, every time I try it keeps giving me the same two error messages. I am questioning if I can give them my bank account and routing number and they manually change it from their end but for some reason it’s more of a problem than I thought it would be. If you have ever experienced this problem, PLEASE HELP. Because earnin customer service is not!

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

Good people, huge hearts, selfless philanthropy. Aside from providing cash for those living paycheck to paycheck, this app 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 this app 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. This app 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 this app/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.

Fantastic!. I was worried that this app wasn’t legit, or that maybe there were hidden fees or something else to worry about. I ended up being short this pay period because of emergencies happening back to back during the holidays. My car battery died so I had to get a new one, I had to rent a hotel room for a week due to a family member I live with having covid, and of course, Christmas shopping. My money was steadily going downhill faster than anticipated and I just thought… if only I could get a hundred dollars or so early, just to help tide me over to buy food for myself until my next pay period while ensuring I have enough in my account for my car payment. Well, Earnin was perfect for that. I’m very glad that I found the app. I really needed it. I didn’t need a ton of money, just a little bit to help with paying for food until my next check came in. And I’m really thankful I found this app. I probably would have been fine, but it would have been extremely tight and I’m glad that I didn’t have to worry about that. Thanks so much, it really helped my anxiety and stress when I’ve been extremely stressed. All of this happened over the span of a week, and I was not prepared. Earnin basically saved me!

One of the best apps EVER. 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 Earnin and I thought what the hey, right? I gave it a shot and I NEVER went back. Earnin 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 this app 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 it’s seems too good to be true it IS!. I’ve been using Earnin 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 the app 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 the app 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!

The Best In Class. I’m writing this review to extend my eternal gratitude. I had managed to get into a bad patch of my life where I was nearly going to lose my job and my home. I had been plagued with bad habits and some addictions, which I suspect transpired from the great pressure in my leadership position. I know, that seems a bit ironic, but it can easily happen to anyone that is going above and beyond at the job. I forgot about myself in the process. I knew I needed to do something about it quickly. I ceased all at once and went through lots of pain in the coming days. With that said, I knew that wouldn’t be enough to climb my way out of the financial hole quickly enough to stay living here. In my desperate search for answers, I stumbled upon this app. All I needed was about $400 to make the difference and break even. I prayed for this daily and I was blessed. Though it stated I would only be able to withdrawal $100 to start from the first pay period, it was much to my surprise that I had been granted the option of taking out up to $400, the exact amount I needed. All I have to say is keep up the great work with continuing to provide this option for those struggling. And I hope others can also triumph from their shortcomings. It’s certainty not easy, but this app makes it easier. This app saved me from going homeless and that is a miracle. Thank you so much for being awesome and providing the public a great service.

Unexpected Expenses meet “The Solution”. When this app 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 this app. I don’t mean to seem grateful, I am, I mean to sound awestruck! This app is saving my life, in that exact sense! If I did not have Earnin 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 Earnin, 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 . Earnin lets me access my hard earned money fast, securely, and reliably when I need it. That is everyday nowadays mind you- everyday, and Earnin has not let me down once. :) I won’t let them down either. Get Earnin, and be sorry *only that you didn’t get it sooner! •John• ~La Porte, Texas~

Good but only for a certain subset. I downloaded this app believing that I could use it based on the FAQ section in the app. I’m salaried so I don’t have a timesheet that I can upload. The app 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 the app 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 this app when working for companies like Walmart where their timesheet is uploaded to the app and this worked out well for them. The app 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 the app 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 this app upfront and it’s inability to truly track my hours.

Life Saver. I’ve been using EARNIN for a couple of years now and it’s such a load off my mind knowing if I’m running a little short or unexpected expenses arise, I can get the money I need in a matter of minutes. Their customer service is folks are very professional and helpful. I’m so glad I discovered this app! *Update. In January 2022 all the sudden my bank wouldn’t connect after using the app for over 2 years. Granted I had to reconnect frequently but was always able to. After hundreds of hours to date with customer service help they concluded Plaid no longer supports my bank and they’re working on a fix. I changed my bank account to my credit Union and connected no problem but at least once a week I have to resubmit my pay check stub or bank transactions. Since this isn’t my main account I don’t allocate a large amount to be deposited from my pay because the bulk goes into the account I can’t use because of auto payments. Since I don’t carry a big balance My max pay out per pay period is $100. It was $500 when I could use my other account. Now once again I’m waiting on yet another screen shot of my credit Union transactions to be approved. I’ve started using Branch and I’ve not experienced these problems.

Seems sketchy. I was hoping to get a little extra funds to get by till Friday and was excited that I got approved for a small amount. I had been in the hospital for a heart issue and got the ok to go back to work Monday. It’s depressing at is to be so low on funds but I needed the money to get to and from work till pay day. Anyway downloaded the app and was told I had $75 avail and I knew I could afford to pay that back fri. I downloaded check stub, which was asked of me to do to prove my income did that. I went in and accepted the loan and tipped $5 for now this all happened earlier in the day around maybe around 1130 ish it said it would be deposited in my account with in minutes. Hours went by and it still wasn’t in my account I checked app said i needed more documentation I sent that and contacted customer service yo let them know that my payroll isn’t listed as my job on my deposit account but it did have the partial name so anyway I sent that proof in ( screenshots from my bank) and now find out I needed more documentation and I totally understand that part of things needing more info to verify but this app should really fix that glitch that approves you first and getting your hopes up that you can get help when you need it I was just given the run around with it and dealing with it from morning till almost after midnight and it’s just not right.

Was once worth five stars. I have been a loyal user of the app and the product it offers for over a year, and generally have been very pleased and at times it has exceeded my expectations. Now that being said, the reality has become that lately changes in the way they are doing business are a bit frustrating. The base the amount they will give you off of your earnings/work location, and corporate email verification. These are all very good Way of making decisions, but when you are a salaried and earnings do not change. They begin to lower your available amount to withdraw. When you have made the same amount of money from the day, you begin using the product repay the product info with no issues each time they seek repayment, that does not factor into the equation. The only way to obtain an increase, to open a direct deposit with them directly. Why is it necessary if you have your own financial institution that you have used and have never had a reason to want to change. It’s even worse if you use two financial institutions. There is no way for them to give you credit for both, therefore reducing your income, which doesn’t reduce.. In a pinch, I cannot say the app has failed me, but I do not like the way they are progressing with almost forcing you to open a direct deposit account. I guess it’s time to really sit down and reevaluate the benefits versus expectations and business practices.

If you don’t have you need to get it. This is the perfect app when you’re just running short on cash and it won’t get you in trouble since it isn’t a loan, it’s money you’ve already earned. Even though I make a decent salary comparatively speaking, unless you’re in the 1%, nobody has had a true cost of living salary increase since the 80’s, and really I wouldn’t call all the out of proportion raises, bonuses, stock packages, and incentives not to mention the tax breaks the executives in the 1% get as a “cost of living” anyone can relate to. When you get a 10 million dollar incentivized payout when you LEAVE (aka forced out for poor performance) a position that isn’t normal. You know what regular, every day hard working people get when they leave their jobs? A security escort to their 15 year old car with high milage that still has a balance on the loan. Earnin has saved me on occasion when I’ve come up short and needed basic things such as gas to get to wink, to those other essential items like groceries, soap, deodorant, and laundry detergent - just because I am poor doesn’t mean I have to smell like it! Thank you Earnin for allowing me to continue to not starve, and effectively bathe and do my laundry when there just wasn’t enough at the end of the month.

Chase Liquid- updated Review. I am unable to use the app because my direct deposit paycheck is deposited to a Chase Liquid account, which is not considered a “checking account” and is considered to be a prepaid account. Above is my previous review which I still stand firm on and this is why I am giving a 4 star review instead of a 5 star review! However, my Chase account has now been changed to an actual bank account and therefore, I am now able to use the Earnin app thanks to chase finally allowing me to have a “Chase Secure Checking account”. Since I am now able to use Earnin, it is great! My work has always allowed us to get a pay Advance which was up to $250 but for every pay advance we got it cost a $35 fee and my work has literally made an easy hundreds if not actually thousands of dollars off of me over the years by charging this $35 fee! With Earnin I can now get pay advances and choose to tip what I feel is fair instead of being forced into a $35 fee for every pay advance. This definitely has given me more freedom with my paychecks and to be able to get some of my money ahead of “payday” which has been very helpful with managing finances! Thank you Earnin for the freedom of getting my own hard earned money when I need it instead of always having to wait until payday comes!

Game Changer!. Let me start off by saying just like majority of the people that download the app 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 this app 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 this app helps with that on another it’s crazy because something like this is for the average 9-5 worker who often overlooked. This app 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 this app blows up and change lives and outlooks as it did mines!

Referral Beware. As I use certain apps that I believe will be a benefit to my friends I will recommend those apps to those who will benefit from it. I used the app and certain things didn’t make sense to me nor is it explained in the app manual. For instance cash earned is based on some time interval of 1 - 2 weeks and your earned bucket starts over and is not accumulative. You will not find that out until you reach out to support. Referral portion of this app is unfortunately not streamlined, the app generated a message stating that a reward was provided but it had not been applied. Since the app does not house messages or yet has the capabilities of storing them it makes it very difficult to supply screenshots of messages to support when asked for. Support is not always helpful as some are not knowledgeable in the product they support. I was asked to provide several screenshots after explaining 3 times that there was no screenshot to provide of the app generated messages. They then ask me to provide email address so they could look at the referral. If you’re willing to do battle for an hour to receive your referral bonus by all means go ahead. However, me as the consumer if I have to go through all the steps of explaining and providing documentation of what the app should already do. I will no longer refer my friends or family and will continue to use the app for myself.

App works ok but borrowing limits keep going up and down. I first got the app 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.

So many hoops to jump through.. I’m an employer looking to set this up for employees. The first time i tried using this about a year ago it took 5 days for them to say my GPS wasn’t working, to me that’s a no brainer, 5 days is an eternity for a product. So I tried again, to see what progress they have made. First off, it told me that my account “very much in the positive” was $100 negative and I needed to bring this up before they’d work with me. Cute joke. Then it went right back to the “GPS” issues again. Using my maps I took before after shots of my exact location showing where I was and sent them to the Customer Support team. So they again told me it was my GPS, I humored them and went with that explanation, turning the location settings off and on etc. This had no effect on the service. Prior to this I had taken an employee to the airport. I was shocked to find out that this disqualified me as I wasn’t in the same location for the entirety of the day. So we’re saying if you are not in the same spot for hours, you are not able to collect any money. So I asked them to ping my GPS location to see where I was at, apparently they don’t have access to that. App has a long way to go before it is a viable alternative and their customer support needs to start offering solutions and stop using every excuse to hinder the users experience. Good luck with this. We’ll find an alternative that will treat a potential client and revenue dollars as something that isn’t a chore.

Amazing!!. This app 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 this app. 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 this app 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. This app 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 this app nearly as often as I used to but I am SO grateful that I have it just in case. Thank you for this.

Worked well for a little while. I gave this review three stars because when it works it’s a great app and helps when you need a little extra cash to get you to the next payday, however recently like most reviews I’ve read they are having trouble verifying bank info and this seems to be a problem every few days. We send them all the necessary information, last pay stub, screen shot if most recent paycheck in account along with last 4 digits of bank account number and they fix it only to have it do the same thing a few days later? What could’ve changed in 2 days that it does it all over again after being fixed? I will say that customer service is usually pretty fast and efficient but as this is happening more and more the wait time for a response has been longer. They recently responded that my bank security setting make it harder for them to get the info they need so I went in and changed the settings but I’m sure we will have to wait another day for a response. Once the amount borrowed is paid back this may be our last time using this app. It was good for a little while at least. I’ll add that we have been using this app for about 5 months now and usually it’s great up until recently when we started having all these issues

Earnin is great. Earnin 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.

I would’ve went hungry without this app. Though I wasn’t fully sure on whether I was gonna like this app 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 ! 🥰

This saves me time & time again. 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. This app has helped keep me a float. I haven’t over drawn my acct since using this app. 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 the app. 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 the app & how you repay it. Only take what you need & remember it will deduct. I have truly been blessed & grateful to have found this app. 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.

Absolutely Blown Away!!!. At first, I was extremely skeptical with this app. 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 Earnin. 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. Earnin 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 Earnin team! And when I had a question about something involving a feature on the app 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. This app is an absolute must for those who want or need their money early for whatever reason. And the way that the Earnin community supports itself and everybody that has the app works together via the tip feature is utterly and absolutely genius! Would definitely recommend!

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

Beware. Earnin provides a lot of benefits, I won’t pretend they don’t. They offer a service that to many seems to good to be true and has saved me more times than I care to admit. Where they lost me was the moment they became the reason I needed saving. My payday is August 1st, which is when I was scheduled to pay back the money I borrowed. I woke up on August 30th to the money already pending on my account, therefore overdrafting me by a considerable amount. I reached out to their support and they pointed fingers at my bank, my bank pointed fingers back. No one would take responsibility for a payment being processed days before it was scheduled and leaving me without the funds to get groceries that I had counted on to survive until payday. They offered no solutions and said they couldn’t refund me until the payment processed (mind you because it’s a Saturday, it won’t process until Monday but I still don’t have access to my money anyways). Thanks to Earnin, I won’t be able to afford food until Monday. Long story short, be mindful that your debit days mean nothing and they can decide to debit your account earlier with no warning and no way to fix it. And according to my bank, this isn’t the first time something like this has happened with Earnin, yet they haven’t updated their procedure to prevent this (despite the solution being simple). As soon as my payment wraps on the 1st, I’ll be closing my account and I will be actively speaking out against them from here on out.

Waste of time. This app is a huge waste of your time and will eventually screw you over in the end. I had this app for months and it was alright at first, would allow you to cash out up to a $100 each pay period. But if you don’t pull out the full amount as the opportunity arises then you won’t be able to get the remainder the rest of the week because the app will disconnect from your bank account and then fill you with stories on how their “servers” havent updated on their end to see your direct deposit so you will no longer be able to cash out. BUT they will still take money out of your account. Isn’t that ironic, they help you one or 2 times and then basically tell you your screw from this point forward because it’s “your banks fault” that they can’t get their end to update 😂 sorry but that’s not okay especially if you can still take money from my account. I’ve been going on 2 months now being unable to cash out because of “ my banks fault and many other users with the same bank are having these issues” but want me to tip people, play their stupid bingo game and do anything else to give them money but not help me out. Please don’t waste your time downloading this app. I’ve given up on this app officially and I’m not gonna change my bank where I’ve been for 10+ years with NO issues absolutely anywhere. Even other app that give you an advance don’t have this problem with my bank. This app is a scam.

Bank connection issues!!!. I’ve been using this app 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 the app is fine. As soon as Earnin 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 Earnin but after they took their debit this week I was told pretty much connect a new bank or I can’t use the app 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 Earnin and plaid with the connection issues.

Hey Guys. First off, this is a real unbiased review! This app 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 this app. You can easily add your employer and bank info to Earnin. 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 this app 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 this app 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 .

Running in circles. I have been trying to no avail to set up this app. 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 the app 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 the app 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.

TEN STAR APP - WE ALL NEED THIS APP!. When I first read about this app 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, $400 bucks. I’m in sales so some weeks it’s feast or famine- if that’s you too - the this app is for you. I’ve saved soooo much money in NSF fees - the fee was 35$ 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 this app - I’ve never had one since - you saved me hundreds. We’ve all been there .... this app is really is a life saver. I am so pleased to know there are kind souls out there who have designed this app so we can all benefit from it if needed - When I read how som people gave this app 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 this app protecting me and my children. THANK YOU AND YOUR DEVELOPMENT TEAM - I’ve told everyone I know about how great this app is! We all need help - the level is different. G-d Bless you all!!!!! ************** A+

Great app! 😬 Just don’t use it as a crutch!. Awesome app, great service. Saves you from a payday loan hell. I used it for about 6 months, any time I had a small issue it was fixed within a couple of days. Suddenly, after almost 30 successful transactions (60 if you include them taking money back out of my account).... the app stopped working for me. possibly forever? kept getting error codes, waited over a month for all of the troubleshooting they could do. Still no idea of when or if it could be fixed. That was really unfortunate! I could see that really hurting someone, luckily the timing didn’t affect me.. but worth leaving in the review! Even though my last issue was unresolved, I do sincerely think the support did everything within their power to do. They had to rely on a third party running tests after so long, I just figured it was a waste of their time at that point and closed my account. Support always sent me messages when I was confused/frustrated or just following up... never a copy/pasted response which is refreshing in any customer service situation! The way my time with Earnin ended is the only reason for 4 stars instead of 5. They’ll get it figured out. When it worked it was such a godsend! Even though it stopped working for me, the technical issue was never resolved... I really appreciate their support throughout.

Great service, app, and customer support. Pros: - app is near bug free - the service itself is fast and only the only expense is how much gratuity you’d like to provide, personally I do about 10-15% because that would be the equivalent of an okay credit card - when I changed jobs and my schedule went from biweekly to monthly I had some overdrawn charges, I worked with earnin to reverse that and get my account in good standing promptly, thank you! Cons: - only con i experienced is that when I went from biweekly to monthly my monthly “borrow” amount was cut in half, this is because a pay period is treated the same no matter the duration. I’d suggest that users that get paid monthly have double the maximum, this would give me the same amount of flexibility I had before at my last job. It also gives me an opportunity to tip more. I hope to see this in the future Thanks for your hard work team, you’ve made a great service! Update: I would like to reiterate from above that the opportunity to borrow is lower now that I get paid monthly instead of biweekly. Before I was able to tip more a month, two times the tip on my current limit. The risk is the same because it is the same net amount of money I used to be trusted with, I feel like this is a huge opportunity for financial gain, to help make our experience better. Please create a ipad app. I use it on a keyboard and would love to see my repeatings bills on it. I love that feature, thank you for adding it.

Like a credit card,without the credit check!!!. I’ve been using Earnin 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 this app. It took 10-24 hours for them to verify and link the app 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 this app first. As of now there is no MANDATORY fee but optional tips that keep the app 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 this app 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 this app so long as privacy and fee policies don’t change too drastically in the future. Thanks Earnin for helping take the edge off life’s ever sharp blade! ✊🏼👍🏼💸💰

Earnin-Experiences. First may I say the customer service employees are great! Let me explain. When starting my Earnin account I was printed for $70 then a week later another $30. However I had been deducted $170 from my bank account. I called customer service and they helped me figure it all out. Apparently I forgot to read what it was actually saying, which was that I was able to cash out $30 more dollars than last time not just an additional $30 so in fact they gave me $170. Once he explained that I felt at ease and payed brackets the $70 I didn’t need, which I didn’t spend because I didn’t know I had it. 🙏🏾🙏🏾 So all was fixed and my account was back to normal, now I know to always read the full details before clicking, OKAY!! I’ve learned my lesson and I highly recommend this app to anyone who is in need of a quick simple way to get..... let’s say $170 bucks for that new tire, we know we need but put it off. Just go get the app, get your cash when you need it and, pay it forward!! Love ❤️ and peace ☮️ my reflections Blessed sky Blessed Be Hopefully I can eat this week.. boom 💥 poofs ( EARNIN FAIRY APPEARS) “ no worries, here’s a $20, for that 20 peace Mcnugget, and there’s still enough left over to get a Marijuana Cigarette too.. now that’s a lunch break. 😂😂😂👌🏾💪🏾👍🏾

Awesome company!. A couple years ago, I used Earnin 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 Earnin 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 Earnin 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!

Policy issue. So I have been having constant issues with earning where my job will give me a direct deposit on one pay period and then the next will give me a paper check. Apparently earning is the type of app where you have to have a direct deposit into ur account for them to keep it active. However, after I informed them of the situation with my employer as to why I haven’t been receiving any more direct deposits and am now receiving paper checks i was told to give them documentation proving such. Even after doing that my account was still inactive. When I explained to another agent the issue she explained to me that they can’t update my account any more because it was a one time courtesy and I need a direct deposit. however, I told her other agents have already done it numerous times without issue. I feel like this app is blaming the customer for the inconvenience of their employers. As long as the app is seeing that their debts are being paid and there is a money flow to an individuals account then it should be understandable if the way a person is paid has changed. This is covid and times are different for everyone. But no customer should be blamed for something they have no control over.

This app literally saved me. 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. 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 Earnin 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 Earnin 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 :)

Horrible horrible horrible - use Dave or Moneylion instead. Once again having a huge issue with this app. I get paid Thursdays, which means I should be able to cash out from Thursday to Wednesday each week before re uploading my time sheet and paycheck deposit. I requested a boost this week, and now am being told I have to re upload a time sheet for next weeks paycheck to get my boost because they think my pay cycle restarted but it’s the last day of it. Do not recommend this app Edited 2 months later: I stopped using the app for a while (switched to Dave, it’s much more user friendly) but I had to use Earnin again due to a dip in my pay for a week. When I explained the situation and that I would not be paid from my new job they said they would stop my repayment and would t charge me if the funds weren’t in my account. The next day I woke up with a negative bank balance because they lied. Their customer service is completely useless and you might as well be talking to a computer with the way they respond, it’s always a generic message. I tried to close my account today but they are refusing to do so for 2-3 business days to ‘make sure the payment was sent’ even after I sent them a screenshot of my bank account SHOWING them the debits were made. They responded with yet another generic message saying to contact them in 2-3 days to cancel the account. How is it possible that I cannot cancel an account that is paid in full?!?

Horrible Bug Ridden App. Don’t download or use! Downloaded this app after Credit Karma recommended for quick money access, worse mistake, never again. I spent one week of frustration and anxiety. After uploading my financial information like an idiot, the app kept assigning the wrong bank account number to my user. It could never verify my bank account. It would say at one point that everything was ready to cash out, then when I attempted to test it out, the app would say that my account was not verified. The scariest part is that the app thinks I cashed out and kept insisting that I owe them money. I tried reaching customer service, there is no way to call, the chat feature on the app is the only way to communicate and that feature is a hit or miss! I spent many hours trying to reach a person. When I finally got connected via chat, the agent kept insisting that I needed to pay back money I had never received! No amount of showing them screen shots of their own errors would convince them. The app would not let me remove my information or even close my account until I “payed back” the money I never received. Finally today is my payday and I am nervously watching my bank account to see if they debit my account for money I never received. The app let me close my account, but the email confirmation still says they won’t close my account until I return money I never received! What a scam and a fraud! Never, never again!

This is the real deal. Yes, I know, too good to be true, right? But I’m telling you, this app 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 the app 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, this app works perfectly.

Earnin app. I have had th app now for about two months ! Earnin is beneficial to have when you’re in need of some extra cash last minute! Especially with it being Christmas time ! It gives you the option to tip other people in which support the app in loaning money to people like us ! At the time it takes money from your account once you get paid , you end up spending from 1 dollar to 14 $ or more, you have the choice to tip out what you think is fair or what you have to offer at the time . Thanks Earnin you’re awesome ! I’ll continue to support & don’t forget guys , give a helping hand when you can , money isn’t everything, in REAL life , the higher consciousness some of us have yet to tap into , money isn’t real , it’s too bad we are so conditioned to this fake simulation as it is . Don’t be a Guinea pig , we aren’t meant to be put in a box . We are meant to thrive & the sky isn’t even the limit here . We are powerful electro magnetic beings . Remember who you are REALLY . Sending much love , abundance & blessings . Whatever it is your want in life & don’t have , act like you already have it & your wishes & dreams will flourish like a beautiful weed in the midst of wild flowers. We can find a million reasons to be angry with life , learn to accept , forgive yourself , then forgive others , your life can be anything you want it to be .

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All good until..... I’ve been using this app for prob a little over a year now... NEVER had an issue until now. They claim my direct deposit didn’t hit my account in time for them to debit my account, which is absolutely false... I had about 4 transactions that were supposed to come out and 2 came out just fine and the others they claim had an issue. They tried to tell me it was because there wasn't sufficient funds in my account. I provided them with a screenshot of my bank account to show there was money there at the time they tried to debit all the transactions, and was still there, but they weren’t trying to hear it. Again, they were able to debit 2 of the transactions AFTER my direct deposit hit but INSISTED my direct deposit wasn’t in my account in time enough for them to debit all of them.... Contradictory much??? There was simply an issue on their end and somehow the consumer is the one to blame and to be faulted due to “technical difficulties”. My pay period max went from $350 to $100 in 3 days due to their app having “technical difficulties” The customer service agent was horrible... He/She tried to end the chat WHILE I was typing, claiming after us being idle for 3 minutes it will end the chat, it wasn’t even 60 seconds, and they send me a message stating they be ending the chat if I don’t respond, SMH!

Overtime things change. I’ve been using Earnin for months now and initially it worked just as advertised. Overtime though when I needed to cash out u couldn’t, the app claimed the GPS could not pick up my location even though the location was set originally for “always on” and I never had a problem prior. The first help agent told me it was a glitch in their system and they are working to fix the issues implying I wasn’t the only one dealing with this. A week later I tried to cash out and my earnings say $0 even though I worked all week. The next 2 help agents I spoke with kept asking for screenshotsand electronic time sheets but at my job the time sheets aren’t electronic and we have to request them and wait until they’re mailed in. The first agent told me to send in a copy of my schedule but when I did it, the chat said I was gone for too long and gave me a new agent who informed me that they can’t accept paper schedules and can’t give me any previous earnings because it’s no proof I been to work. After weeks of not getting any earnings and speaking to 3 different issues my problem has still never been solved. And they claim that the GPS still can’t track me at work. I since just went back to using Dave, never had an issue with the Dave app, I was trying Earnin because I liked the freedom of cashing out daily if I wanted but oh well.

Bad experience. If I could give them no stars I would. I reached out to them several times in advance because they had my payday incorrect. I sent them the information they need each time so that it would be corrected but it didn’t get corrected. My payday changed because of a job change. Because they didn’t change the dates they attempted to withdraw funds before my payday so the money was not there and it caused me to get an overdraft fee charge. I reached back out to them, sent them the documents they asked for in regards to the charge. They promised me that when my next pay day hits and the funds are paid back they would automatically credit me the overdraft fee but they didn’t and I had to reach out again. They continued to give me push back and wanted me to send the same documents that I already sent over several times before again. I was not comfortable with keep sending this information considering there is sensitive personal information on these documents. I am Jon with the first couple of times but after 5 times enough is enough and they should have this stuff saved on file. I use to like this company and thought that they were a great company to use for when in a bind and needed an emergency but with the experience I have had with customer service directly, my views have changed completely. They have lost my business.

The Even app is way better. Don’t waste your time with Earnin.. Honestly, I really liked this app when it was brand new. They have updated it and it’s been going downhill ever since. They now charge you to get your money Instantly which they never did when first starting and the customer service for the most part is terrible. All you can do is chat with them on the app instead of being able to call and some of them take a while to get back to you and with text messaging communication just isn’t as great as it would be if you could call someone and actually talk to them. I have had so many of their customer service reps recently just waste my time and not even try to understand where I’m coming from. They honestly just don’t seem to care. I’ll stick to the Even app which is A LOT more user friendly. They’re partnered with my job and automatically track my earnings and give me early payouts no problem. I can get cash for free instantly or wait a day or so for direct deposit. I just completely deleted my account and removed the app. I’m tired of having to constantly update my information almost every week to get Earnings just to have a customer rep waste my time and not help me. I’ve only ever been asked to update my information on Even once which I was able to do MYSELF in just a few minutes rather than having to contact an incompetent agent via chat.

Great App!. I honestly was skeptical about this app when I stumbled across it. I thought to myself, “Probably has all these hidden fees or my bank info could be stolen,” etc. But the app is actually really great. It only lets me take out a max of $100 in a pay period (ie 2 weeks) so I can’t run through my entire paycheck which is great. And if you verify your debit card you qualify for “lightning speed” which means you can get the money within a few minutes instead of 24 hours. It basically shows you what you’ve earned for the day and then you can cash out that amount and do it any other day until you hit the max that you’re allowed to cash out per pay period. You just throw a few bucks on at the end as a tip (which is what pays for the app to do what it does, you don’t have to do it but I recommend doing it simply because it’s what keeps the app running) and you’re good to go. It debits your bank account when your paycheck is deposited and that’s basically it. Super useful and helpful for those situations when you’re on a time crunch to pay a bill but you may not have the funds to cover it, which is great because you can avoid late fees! Thanks Earnin! You’re amazing!

It’s Ok. I like the app. It does what it says it will do, and it’s helped me through some tough times. That being said, I hate how they drop the max amount you can borrow and the auto shield. My bank account gets low, yes, but I don’t suffer from overdraft because I’m not signed up for overdraft protection. Plus, I’ll purposely move money from my checking to my savings which will cause the low checking balance. Earnin sees that as my bank account going into the danger zone and will automatically send money to my bank account, causing me to have pay back money I don’t want or need at the time. I took the auto shield thing off and they dropped my max borrowing amount. I didn’t really think that was fair to penalize me for not wanting to receive money I didn’t need. It’s not like they give you the option to give it back. Plus I had issues with my bank disconnecting from the app. I’ve had to contact their customer support too many times. And while they respond very quickly and are very helpful, I don’t think I should have had to contact customer support as much as I have for this app. Overall, it’s not a bad app. It works just like they advertise. My only problem were the auto shield thing causing me to reach my max borrowing limits when I really didn’t need any money, and then being penalized for turning it off.

Update after 3years Plus. New: Financial freedom after you’ve struggled to build, maintain and harness consistency in bringing in income and saving income is a constant aspiration of mine. Earnin has helped me during the times it’s been hard to ask family and friends because you don’t want them to see your struggling. It’s not about them knowing more than about them unknowingly creating a view of you through your season of lack. Honestly my own financial upward mobility has had many dips and some complete dunks but, each time I’ve recovered. Thanks Earnin for the trust to return a favor and for allowing me to work hard on my financial stewardship. This has been a blessing time and time again! Old: Revolving cash when you need it the most. It has brought me out of a deep whole borrowing from friends and family. I am now almost off of debit with family and caught up on all my bills. Great part is this can start being backup money for things like car repair and things that come up unexpectedly. I’m very grateful for this type of app and the people who made this happen to help people like myself

Beware!. I’m reading similar situations that happened to me. At first Earnin is great and a fast way to access your funds when needed. However, I went out of town for a week and wanted to utilize Earnin for 2 out of the 7 days I was away from work. Knowing exactly what my check deposit was going to be, I cashed out $100 on a Wednesday, then another $100 on Thursday. My check deposited on Friday. I skimmed through my transactions and had what I calculated I would in my account after Earnin took its share. Not so much...I came back from a great vacation with an overdraft fee from insufficient funds from Earnin, who decided to only deduct 1 of the $100 cashouts that week- then waited until the following Friday to reclaim the 2nd $100. Well..I’m not paid vacation time, therefore I had no funds in that amount. I still don’t understand why it wasn’t deducted with the check I pulled it from. Confusing, frustrating, and sketchy. Chatted with 2 customer service reps that only responses were “Someone will reach out via email within 48hrs.” & another saying they see that my issue is the overdraft fee and that it was something to contact my bank about. Wrote back one last time asking them to re-read my issue with the app and would appreciate them not dancing around answers, and to provide app users with clear alerts or guidance so that this doesn’t happen to them. I won’t be using it again.

Convenient and Fair. The App tracks your earnings based on your hourly wage and hours worked and let’s you borrow against what you’ve already earned until your next payday, up to $500 ($100 per day advance). You “tip” what you feel is fair. The generosity of the patrons keeps everything running. The suggested tip is a far lower percentage than other short term / pay day loan places. The only criticism I have is that the app only logs hours worked by GPS tracking which identifies when you’re at your employment location. There is no way to manually enter hours if you have a mobile job. If you check in at work, then change locations throughout the day (delivery driver, for example), the app will only count the time you spent at the work address that you listed for your employment. And the “credit line” resets every payday, so it can be hard to build up money to borrow against if you travel for work and don’t spend much time at the employment address. All of that being said, it’s a brilliant idea, far cheaper than other similar options for short term loans or advances, and it is definitely a wonderful option to have available when needed.

Confusing. It’s more than those 3 things you need. They need to add the fact that companies that don’t use their time sheet system will delay you weeks. Make sure to screen shoot everything! They calculate earnings by your phones tracking/location services, screen shoot that. Then they want to see that you got credited .20cents for service, screenshoot. They want to see that you’re getting your checks in THAT account, screenshoot your next check. By the time you have everything good to go & you have the chance to cash out, be careful. It says “all users get daily max $100” what they don’t tell you is that you have a “pay period max” of $100 too. So if you take out $100 for the day you’re screwed until your check arrives because you hit the max pay period!?!?! This is confusing!!! What is the point in cash outs if then I would have to wait for my check anyway? Why? The whole point in cashing out early is so that we DON’T wait. Then after you have cashed out, your earnings doesn’t go down or change, keep an eye on that. And they never update my banks current balance. I don’t know how long I am going to keep this app around. I don’t like having to do the systems job, if you’re going to make a platform available across all systems then you need to stand true to your statements. This is all misleading and confusing.

Service was good until it wasn’t. I used this service for over a year. I liked it for most of the time I used it. The issue I had with it was Earnin charged me for my debts that I cashed out a day earlier than my paycheck hit. I have not ever changed jobs with this service so for this to happen it surprised me because they know my pay schedule this did not change or need to be updated. I have had the same pay schedule the entire time I had Earnin. Since I was charged for my debts and there was 4 debts, I was charged $140 dollars in overdraft fees. I contacted the day they charged me for my debts, they asked me to wait until my bank charged me overdraft fees. When I was charged overdraft fees, I notified earnin, then they notified me that my bank usually reverses the transactions. So I would have to wait until my transactions were reversed. Then they reach out to me to ask if my transactions have been reversed and I tell them no, then they notify me that they do not know if my bank actually reverses overdraft transaction from Earnin. That left me with paying for the $140 overdraft fees and Earnin still has done nothing about it. Since this happened I closed my account because they were not adequately trying to fix my situation and I am posting this because I told them I would give them 3 days to get back to me or fix this and since I’ve heard my bank does not reverse transactions I have not heard anything from Earnin.

Worst customer service ever!. I have had Earnin for over 6 months with only minor problems. The 1st was when they kept insisting my bank Login information was wrong and like i don’t know my password! I’ve only had this acct for the last 17 years i know my passwords!! Then when I switched employers everything went downhill. I updated my information it took a week to update only for them to claim my direct deposit doesn’t match my Job info i put in the app. After they made the updated deduction on my new payday. So I went in and updated my job information again and it’s still hasn’t been corrected. I have been bouncing from several different people for over a week, all asking me to send the same thing i sent the last person. A screenshots of my paystub, bank info showing the direct deposit, and timesheet. And it’s all in the same email chain. Then the email i just received says that my bank has no information of my direct deposit to show in there system 🧐 how is that possible when i sent a screenshot showing the direct deposit with my company name and you were able to deduct the money I owed from my account??? I can’t get any real responses no seem to read anything and i just keep getting more BAD SERVICE! I have referred several friends and family to this app and even posted them on my social media but now i feel like i shouldn’t have. I can’t get any help.

CUSTOMER BEWARE. What they don’t tell you is that they set up debit from your account to pay them back one day before your payday. If your bank doesn’t release your direct deposit before your actual payday then you will likely have a NSF Fee is money isn’t in your account. I tried to work with their customer support to get some kind of resolution and they first said it was their bank that determined when the money was debited. Then blamed my bank 😩 Update: Earnin responses to my review asking me to contact customer support to have this issue fixed. I want to let everyone know that before I wrote my review I took the proper steps to bring my concerns to customer support and the customer support was completely unhelpful. I spend an hour of my time and was transferred to two different representatives. I sent screen shots of clear evidence that my account was being charged before my payday and they offered NO RESOLUTION. The representative first told me that it was Earnin’s bank that decided when to pull the money out. When I told the representative that it was unfair, he told me it was my bank’s fault and my bank decided when the debit was made, contradicting himself. They basically told me that it was my bank’s fault and there was nothing they can do. I screen shot the whole convo and will be posting it to my social media and hash tagging earnin. The errors made caused multiple NSF charges with my bank and customer support offered no help whatsoever.

Re-rating this app. So since my experience downloading all my details into the app the Activehours team quickly responded to what I wrote and help me get my account set up right away within 10 minutes of my post everything was corrected and I was able to upload my timesheet and cash out right away seriously it's instantly how fast they approve everything and send you money to your account I'm so happy I found this app and I recommend it to EVERYONE!!! You should have this app on your phone in case of an emergency it's instantly deposited in your account what I noticed and loved as an added feature they increase the amount you can cash out when you build a relationship with the app and so this time around when I cashed out I was happy to leave a tip -I downloaded this app in hopes that it would also help me however it has been verifying my place of employment for over a week and I have been unsuccessful in communicating with the app developers about verifying my place of employment which has many departments amongst a large corporation hopefully this review will help me receiving a response to get this app up and running

App non-responsive!!!. Everything was okay in the beginning. I’ve been using the app for several months, but after my last auto repayment, the app will not respond. I can log in and set up a 4 digit pin, but that’s about as far as it goes. I tried uninstalling and reinstalling several times, but no luck. I asked my coworkers are they experiencing the same issue with the app and their not. I can not contact customer service because I can’t get pass the sign in portion of the app with out it freezing or just not do anything. Also, I’m not sure what the creator(s) base the monthly max on, but they never increased my max. It was NEVER over $100. All my coworkers and family have a max up to $500. I make well over enough to qualify on a weekly bases but they never increased my max out amount. I contacted customer service on this issue ( by texting of course because they think it’s more convenient than talking to an actual person... verbally... with words) multiple times but I never got a valid or good answer! I use to love this app super easy and it used to come in hand when I needed sone extra bucks before payday. Now I’m completely done with it!!!!!

It’s more than just an app 💕✨. I am so happy to continue to use this app. They know exactly when my paycheck is coming because everything was set-up before you start cashing out with them. Do not be afraid to give the app access to track your location everyday because that way you don’t have to submit a picture to them of your clock hours from work. It’s hassle free and absolutely trustworthy. I think, for a new user, the hardest thing is getting the approval of the app after they confirm your bank information and workplace information with your employer. Be patient. All good things take time. Also, after you cash out a certain amount with Earnin, you have to tip them what you think is fair. But remember, they are giving you a great service so tip fairly please. The best part, to me, is that the tip you give the app can be allocated to another user’s account using the app. So instead of covering the tip for the services the app gave you, you are covering it for someone else’s. And don’t fret, because being part of the group of people on Earnin that give back means someone will always cover the tip charge for you. Thank you Earnin for making us better humans ❤️

DONT USE. Sad to be writing this review, when I first downloaded the app everything was great, a month later it started to become increasingly difficult to get an advance. Every single week I had to chat with customer service to update my account. The reps started asking me for things I did not see necessary to provide as it was not asked previously. I would show them my debits and my deposit and then the rep would ask to see my bank balance. The first rep who requested that when I responded I don’t understand why I need to send you a screenshot of that he quickly responded “it wasn’t needed, his apologies.” The following two checks I got asked the same question and each time I told the rep it wasn’t necessary per the previous rep they continued to argue with me over the chat and told me it was required. The last time I used this app I went on vacation for a week and did not use my PTO . Because I missed one deposit date even though I did not use the app that week and am currently in good standing with them, all my debits have been paid back and I have a time sheet to prove that I will be receiving another deposit, they informed me that unless I provide documentation from my employer saying that I went on vacation then they would not be able to open my account back up. What a joke. I quickly closed out my account and deleted this app. Will tell everyone who ask to not use this app ever!

NOT A FAN. I used this app for about three months. At first it was great! Took money out exactly when I got paid, and every time my account went under a 100-it would put money in there to save me. Sounds too good to be true right? YOURE RIGHt!!!!!!!!! So, one time it decided to take out what I owed them 2 days early for some reason! So I was charged 35 dollars from my bank because the money was in there-then my automatics drafts that were already set up to come out came out, and I was hit with even more charges from my bank. When it was all said and done-i was 800 IN THE HOLE and when I got paid on Friday, earning tried to take out the money they just took out 2 days ago! I wrote and complained and asked for the money back they owed me plus my charges from my bank they should cover too I feel like-it’s only fair! I sent the a screen shot and told them they are NOT allowed to touch my account ever again and I am not interested in doing business with them! Of course I have yet to get any kind of compensation back and they keep saying “they are looking into it” it’s been a month now since the incident so I’m writing this off as a lost cause. You’ve been warned everyone!!!!!

Great App but has problems. I think this is honestly a great app and service. Sometimes I’m needing money to cover certain bills or need gas so it’s great. But there are some problems I’ve experienced some with the app and others with the service and it always happens right now you need it most. If you don’t have your location always on set on the app it won’t track your hours, for some reason this was turned off even though I didn’t change it. I’ve notice that when you don’t tip a certain amount there is things they want you confirm before you can cash out again even if you’ve confirmed it a week before. One that’s particularly difficult, is when they want a screen shot that shows your account number recent transactions last direct deposit AND Earnin debit . This can be hard to get on mobile because certain bank apps prevent screenshots and won’t show all of that information on one screen. Their customer service chat is pretty quick and can resolve most issues. Definitely do this responsibility, never max out your cash out because you can end up getting in the habit of always having to use it just to make up for using it the previous time.

This App is Worth your time and space on your phone!. I love Earnin, it definitely helps me in between paychecks when I need or gas, groceries or even doctor appts. I highly recommend this app. There’s no hidden fees or monthly payments. If you are looking into this app to help with the extra money for things you need or want, this is the app for you. Once you set up an acc and add in your work place and card info, it will take a few days for Earnin to verify everything; that’s normal. The more you use the app the higher the payout will be. Earnin gives you two options for payout, either you can get it right away “lightning speed” for $2.99 or wait a few days for the $ to hit your account. Plus every payout you do they give yourself an option to either tip other members so they can payout or no at all- do what you think is fair! You can “tip yourself” as well and that basically means you can set money as for a later use and withdraw whenever you need it. On the plus side if you refer a friend or family member to this app, Earnin can give you up to $25 for yourself in the “tip yourself” jar; this app is definitely worth it.

Needs more work. Ive used this app for a few years now but recently stopped using it due to having more and more bugs popping up that prevent me from using the app to its full potential. I am unable to upload my recent time sheets because there is no upload picture button. Every time I contact support the chat head appears and then disappears if I leave the app even though the chat is still open. I am unable to reply to the support people because there is no phone number to call incase problems like this happen. And the chat heads disappear within seconds within the app and do not reappear leaving me answer less to my issues. I would recommend this app if it didn’t have a lot of the recent issues the app has been having. Update: I was able to message a “representative” and have them help me upload my time sheet, it worked, for only a week. By my next pay period when I wanted to take out a little money for some expenses, the app again says “fix now” instead of “cash out” meaning that I once again have to upload my time sheet and bank deposit statements. At this point I’m starting to get the sense of suspicious activity going on because when I do try to upload my screenshots (again). Nothing happens again. It’s very frustrating when you can’t trust an app to do what the app is supposed to do

Not the best experience. I started my new job a few weeks ago after being unemployed for a while so, I had an unexpected expense come up so I downloaded the app and everything went pretty smooth. My issue started after my cash out, I realized that Earnin thought I got paid on Thursday because my last 2 checks were on Thursday because of holidays so it was showing a repayment date of the day before I got paid. I reached out and chatted with someone 2 or 3 days before (on a Monday or Tuesday) I told her the situation and I sent her screenshots of my normal paydays (Friday) She said she updated it and the payment will come out on the correct date. I look at the app on Wednesday and it still says the wrong date, I live chat another person and got disconnected, so I chatted someone else, after quite a while she told me that the other representative only updated my payroll date and not my repayment date and, while she was sorry there was nothing she could do about because it was too late. So the payment came out early and overdrafted my account. This is frustrating because I did my due diligence and they still made a mistake. I didn’t even use all of the funds because they pulled it out early and put me in the negative. Overall a very poor experience.

COVID UPDATE: dont do it. ever since covid hit earnin has obviously been hit hard like everyone else. but there are better apps that provide the same service and dont ask you to deal with their company problems. i used to be able to rely on earnin in a pinch for when an unexpected charge occurred on my account. now i cant even do that because the money wont hit my account for 1-3 days. theyve also made if harder to talk to their customer service, removing a button on the main screen and you have to go find the option hidden in a second menu. you usually will also have to wait awhile to speak to anyone, and you better not leave the app or wait for them to say something informative without saying something or else youll be booted from the chat for being “inactive” and have to start over. they also are very particular about their proof of your schedule, not everybody uses the same things my company uses excel which has given me some issues here. i also have noticed they now ask you to tip 6 dollars right away and you have to edit it to put in a actually sane amount to tip for receiving your own money. tldr; its slow and unhelpful for the people they used to get big off of, those with smaller income or who used it to be paid daily, and are becoming less and less coy about their true intentions. dont download it, try elsewhere.

Downloaded this app again just to write this review. Bad experience overall where to start First they only approved me with 50 bucks as my max and asked if they where ever going to increase the max and well the answer to that was no big hell no basically man just flipping through me over the bridge won’t you anyhow I asked why they said something about this app basically stocking my account to see how I’m doing with my spending anyhow makes no sense and I’m loosing track well going back on track I said hell im going to cancel it than let me tell y’all first of I’ve never had any issues before with this app I’ve had it before and my max was at 100 and I was making way much less than I’m making more My wages are way more then before but my max was 50 only 🤔 makes no sense anyhow so going back to canceling my account so I did right AFTER I PAID THEM BACK! of course and then guess what this fools tried to take more money out they doubled charged my bank account now I’m at negative and apparently no one can’t help me in there awesome customer service area tried to talk to 3 different people requested a supervisor TWICE! and nope not a dam thing now I have to talk to my banking institution and dispute these charges and I’m honestly going to tell them it’s fraud because I have legit proof that these folks where indeed paid anyhow I do not recommend this app it was not like before they changed so much- one frustrated female with no Answers!

Don’t do it. Honestly when I first used this app, it was great. Money right away that I was able to borrow. Then they debited my account on the wrong day, so I had used customer service chat to get it fixed. I sent in all my proof for my paychecks on the exact dates that it would come. They were very helpful and took note and changed the dates. They even paid me back for the overdraft fee I occurred. So I continued to use it a second time. Got my money but guess what it’s not even close to pay day yet, four days before and the debit is already posted on my account. Now I am in the negative again!! And now the little amount of money I still had is gone. Went to chat with customer service again and they had the nerve to tell me yes, the date is still right and that they always send a pre authorization days before and told me to contact my bank about the situation. What? Of course my bank is going to post transactions right away. This app on the other hand should not be posting debits days before the said date!!! That’s why we are advancing in the first place because we don’t have the money yet. It’s so ridiculous and frustrating. Don’t waste your time like I did. Now I’m waiting to close my account. I would never recommend this app. Only causes overdraft fees for days!!! One star for the friendly customer service from my first chat (not the second) otherwise I would give it 0.

Don’t download it unless you want them to steal your money. I downloaded this app and I was never aware they were going to take 60$ of mine and then hold it and not want to return it! The customer service I have gotten was terrible and they refused to give it back to me and cancel the whole thing when I never even finished setting up a pay stub bc I could not find one. So I forgot about the app and next thing you know they took my 60$ cash out fee and told me they needed a pay stub to return it and cancel the whole process and there was nothing they could do. When I provided them the only paper pay stub I got about a month ago they proceed to tell me that now they need a pay stub from the previous work pay when I told them I don’t have access to any but the one I gave them. I sent them multiple screenshots of my direct deposit proof of work place including my first pay stub and they just played dumb and would not help me. Crazy how they can’t give me a refund unless they have the most current pay stub but yet they can take my money without any knowledge. I’m sure it’s a great app if you set up a current pay stub but in my case I never even set up any nor agreed to be charged anything. Now I have to wait to go back to work and get one in two days and file a claim with my bank. Garbage customer service would not recommend.

It was great until... I have been using this app for about a year here and there. It’s always been great to me. That is until a couple months ago. I signed up for direct deposit to up my advanced. I was excited because this app has never failed me. Welp, it went left. First paycheck through them I got pay almost 3 days early which was awesome. Second time not so much. My employer sent out the funds to them days early and they for reason could not process it within those five days. I wouldn’t have access to my earnings until 2 days after I’m supposed get paid. I spent most of my day trying to get help and the customer service team just kept switching me to someone else. Im getting paid my regular funds from paycheck on the regular date and not 2 days early through earning. Which defeats the purpose of which why I and many others join. I’m honestly kinda bummed because I really loved this app until now. Not mention I’m missing part of my paycheck now because they won’t process it. Smh!! I recommend using the app regular subscription but not the direct deposit. Maybe one day I’ll be able to come back on here and take back my review but for now… is a no for me on the direct deposit.

Customer Service = Awful. I have been using Activehours for several months and had a great experience up until a couple weeks ago when I had to interact with their customer service team. I switched my direct deposit to a new account and gave them a week heads up notice, so that I could avoid any issues with cashing out and debits from the previous pay period. I’ve now been working with them for three weeks to get this fixed. They've repeatedly continued to debit my closed account - even though I have an active support ticket with 50+ back and forth messages with their team. (Another huge issue - they don’t assign one service rep to each active support ticket, so I have had 10+ different people responding to my ticket and half of them just respond with some BS, without having any clue what they’re talking about, since they didn’t read the rest of the responses) Now that the issue with getting my new account debited and cashing out being fixed, they lowered my pay period max back to the 100$ when I have always had the max. I asked the rep to fix it since it was lowered due to their OWN error of debiting a closed account and a rep had the audacity to respond back telling me they would not fix it and to “keep my head up”...This is a service *I* pay to use and I will be closing my account after this next pay period closes and my account is debited. I’m not paying for a service that treats me like garbage.

I’m kinda upset. I would say I been using this app for about 3 weeks , it started off good but the more days I worked and ours add up , some reason they take money away that I earned. Then I try and talk I someone about it they tell me something that’s not even helping with what I sent to them nor is it what I came to them . The point was the money I had in earning that I haven’t cashed out yet and from the days I worked y’all took money from me . Then I hate how you have to wait all day just to get someone to talk to you . I get that it’s y’all money and when y’all give it , I pay you back when I get my money so it’s like a loan for now but y’all also have to give the loan on time and that loan has to be correct period . Because if your in the need for that money and then y’all just take it away then that’s messed up. I haven’t had any problems with this app until now when my cash out reach 78 dollars and they took all of that away and trying to just give me 54 dollars like I’m upset . It’s Christmas time and they taking money away from me when I always pay them back when we I do a cash out . I just had to turn around and talk to someone because I did a cash out last week and they where saying I didn’t have money to cash out but I had 77 dollars to cash out . But yes they fixed it but 2 days after I cashed out . Please be a lot faster and do something about taking money away .

Everything isn’t as good as it seems. I won’t lie, when I first got the app everything flowed smoothly and I never had any problems. But once I became to big to work my job due to pregnancy I switched jobs and decided to keep using the app. Well since I went from every week pay to biweekly I instantly had problems. First check was live so the app couldn’t get me a pay out then, the fact that I personally put in my new job and pay date it did not process. Three customer service agents later they finally have the right payday. What’s crazy is while the app was trying to take my money when the system put in the wrong pay date took from my child tax credit which I have proof of. Then once I got my checks rolling in I am only allowed $100 every two weeks?!??? What kind of crap is that everything on my end is right showing stubs and all. It’s the holidays and something needs to be done about this especially when you have a job and get paid enough to borrow more than $100 every 14 days like come on man!!!! I thought this app was a lifesaver but since my job change in September I’ve been getting a headache trying to get money from my next check to make ends meet. I am not a happy person right now and trying my best to stay positive about it all.

Please read before signing up.. I have used Earnin for a year, at first it was a really helpful platform. However, they have absolutely no regard for your bank account or financial well-being. Earnin is exempt from a 2017 federal rule on payday lending that requires lenders to ensure that customers have the ability to repay the money they borrow. If you do not have the necessary funds in your accounts when it comes time to pay them back, they will take it anyway causing your account to overdraft and go negative and then being charged overdraft fees by your bank thus owing even more money. In addition, they only allow one rescheduling of payments in comparison to many other honest lending apps. If you are not careful, this company will place you in a vicious hole and not help you at all. I want to prevent others from making the same mistakes i did, in my experience there are better, more considerate and genuine options such as Dave, Albert, MoneyLion, and Brigit! If you find yourself unable to pay the funds back on the scheduled date, they will not just snatch whatever is in there or anything from a negative account. the same instant gratification without the stress that Earnin causes. ultimately this app is not helpful, and there is even a national article written about the financial troubles that they have causes i recommend you all search it and do your research.

Been using for almost a month. I have been using the app for almost a month and all of a sudden after the last update it isn’t working. It keeps saying I need to verify my bank account and I have done it multiple times and still won’t update my bank information and I have been approved for $100 cash out and now only says I am able to do a $50 cash out. I have emailed them and gotten no response. It worked amazingly before the update two weeks ago and now it is nothing but problems. Thinking about using another app for the same reasons I was using the Earnin app. I am highly disappointed that after the update it’s no longer working. I have even tried the screenshot to update my current bank info and it keeps saying there was a hiccup with my screenshot. Earnin I was bragging to all my friends about ur app but now I am highly disappointed with the app. I was relieved when I first started using the app now I am highly disappointed and frustrated. I can bet that my bank info will work perfectly to repay my cash out but doesn’t work at all when I go to the app...I am a highly disappointed user. I can only hope that you are able to fix the bugs in this app sooner than later because there are a lot of people that I know first loved this app but are now disappointed with the results after the latest update....

Location is pointless if your in healthcare. I just want to understand how do you keep up with how much money is in my bank account yet cannot tell that the money in my account is from working, I’ve been able to use the app once and it was cool, I get paid every week from one job and every two weeks from another. I cashed out money even though I didn’t need it but wanted to see if it worked but I wanted to refer people who really need it but because I was only able to borrow once and don’t even have an option to borrow again while I’m still working but the app don’t show any of my hours... I feel I rather tell people not to ever try this app as it’s very disappointing when we give extra money back from borrowing. Responding back to the developer: I never stated I linked both my jobs to this app, I said I have two jobs and the app only allows you to save one. However, after going back in the app the only thing that I can say could be the reason is my location. I work in the health care field and my job address is not where I work, that’s just the main office as I work at my clients homes because I’m an traveling caregiver so this app doesn’t allow me to be tracked by location for accuracy. So if I put the company address in then I’m not working and if I put the address where I’m working it cannot be verified so again this app makes it even harder to give even a two star rating.

So far so good!!. I just wanted to say that I think this is one of the best apps out there for people who just need that lil extra before payday! So far everything has been smooth and the $$ goes directly into my account within minutes....it’s amazing!! However, I did give it only 4 stars for a reason! I don’t like how there’s not a feature we can use to add our overtime pay as well as any sick, personal or vacation days we use! The app counts it as $$ not earned that day when in fact most of use have work benefits that cover any time taken! Also, why is the max payout only $100 per pay period, which I make way more than that in a single day of work!!?? It was my understanding that I would be able to pull out $$ as long as I’ve already earned it at work...so that’s very misleading!! A lot of people had said that this app was better than applying for and getting one of those payday loans...well it’s not if the app only allows you to take $100 every 2 weeks, which is how I get paid! Hopefully the max I can pull out per pay period increases soon! I really love the concept of this app, but it could still use a little work on the above issues! If I’m doin something wrong, please inform!! Thanks!

Giving the app one more week.. Signed up over 3 weeks ago. Account it still pending. Contacted support. I’ve gotten different responses in regards to my pay stubs. One representative said I needed to summit more. I did. Another said I couldn’t send pictures of pay stubs and that I needed time sheets ( which I don’t have because we are assigned an ID number no names are on time sheets) Another told me the global tracking that I signed up for wasn’t tracking my location because my work site was too big and needed to be adjusted. I signed up to be able to use this app for and advance in case of an emergency. Thank goodness I haven’t needed to because I would be SCREWED!!! Update: Finally was able to activate account. And used it today as a tester to make sure it worked as stated in description. So far so good. Money arrived in lightning speed. Only upped it 2 stars because the creators really need to add that set up can be a bit difficult if your place of employment doesn’t use time sheets with your name. And if your faculty is large and may appear to have you working off site. The global tracking has a difficulty time validation if “you’re “ actually at work.

Hounesty is key to a successful platform and this app is really the one. App is hounest and there is absolutely no hidden fees no scams nothinggggg at all but your cash when you need it at most! You make your money you get your money when you want! The one thing I would not suggest doing is getting this app to olny B.L.O.W. your hard earned Mula away “just because you can” because a lot of people tend to forget it’s not FREE MONEY ITS YOUR MONEY but do understand that your pay check will come to less digits because that’s how much you took from your earned money! Haha trust me I know.... I’m stuoid for saying this because people should understand this concept! But unfortunately sometimes! It needs to be said because you have your people who will put a bad rating because there soooo confused as angry as to why there checks are comming out to less! Listen get this app if you truly live on a “ check to check life” because IT HELPS IN DEPRATE TIMES! this is an hounest app and every thing they tell you is absolutely 100% true . You clock in you clock out!....BOOM take ya money baby! It’s yours! You can now refill your tank you were so stressed about almost not making it to the next pay day!!!! Love this app absolutely life savers!!!

The best of its kind. When I got this app I was a little on the iffy side because I had to put in a lot of information about my job and had to verify my bank account. When you sign up it takes 24 to 48 hours for it to start rallying up your earning cash so that you can cash out. I can say.... Totally worth it. It’s based off your current pay and it sets you at a daily max and pay period max. It will never let you borrow what you can’t pay back. The app runs on tips and you pick how much you want to tip to pay it forward for the next person. It’s an automatic ach debit on your pay day but you can also cash out again the same day. You can get superpowers depending on your bank, spending habits and if you use the app frequently. One power will let you get your money in 10 mins rather than a couple hours. Your max daily and max pay period amount also can increase or decrease depending on the same thing. It’s kept me out of a jam and it’s a great way to keep you accountable and show you what your checks are like before payday. It’s a wonderful app and I’d recommend it to any and all responsible borrowers. If I could I’d give it 10 stars.

Always there for me!!!!. This is probably the best payday loan app on the market hands down! I have used EarnIn for several years now and they’re more than reasonable when it comes to their rates and fees. You choose what you pay them for loaning the credit!!!!! (“ Who does that??? It’s to good to be true?? Well it is true and amazing”)!!! I believe I stared on this app like 3-4 years ago and they gave me $250 week that I could borrow and I treated it like you would with a liquor store that cashes a check for you. Every $100 I borrowed I chose to give $6 and it’s worked out great for me. I used them weekly to build the trust and when I got promoted at my job and went from weekly checks to only getting paid once a month, I thought it was over….. well as you guessed wrong it wasn’t!!! I simply reached out to them and gave them my details and I still borrow from them now and it went up $700+ a month I can still borrow.. The moral of this review is be fair with your rates you choose and they will take care of you.. as I said before, there is not another payday loan app like this on the market so be good to them.

Don't do it. It'll leave you in a horrible situation. Read every review above. My take is exactly that. I just got completely screwed over. Support quit replying after lying to me about updated debit transactions. First off I HATE being lied to. Instead of putting the problem off on the customer accept responsibility for your own problems. They tried telling me it's my bank's fault and it's not. Your bank reflects transcribe in real time do this is utterly a lie. I'm so screwed right now because of this stupid app. I needed it in a bind and it just kept sending money then took to much out. Now here I am at pay day broke with the app not working, their support staff avoiding me and getting lied to repeatedly. Whoever tries to reply to this song you care and you want to resolve this just shut your mouth. If you cared you wouldn't have lied to me to begin with, wouldn't have just left me screwed over at the worst possible time, wouldn't have avoided me, wouldn't have sent me "resolved issue" emails when you never even attempted to resolve anything. You know it's funny as I go through this and sat on the phone with my bank as they explained to me the idiocy of your "bank not sending updated transactions" claim you sent me numerous emails about referring people to this service. Yeah that's a big hell no that's not happening. You can not attempt to fix this issue, avoid me, and lie to me but hassle my inbox about referrals repeatedly? Lol ok.

Where has this been all our lives?. Not many apps behave as they should, and do what they claim to do… Much less deliver their service quickly and easily, with very little frustration and a clean, stylish interface… Oh, and do their thing at a crazy low price point (or free)… EarnIn does all that. AND…it’s literally (like: LITERALLY literally;) a game changer. It will actually make your life easier, more convenient, less stressful…and not paying bills late really helps your credit score. I am so glad these services are being offered nowadays, because in the past if you had bills due before payday you were screwed. Your only options were: pay it late (not good)…or drive to some seedy strip mall to apply for a “payday loan” — also an advance on your paycheck, but with OUTRAGEOUS interest. The “deals” they offer are SO bad that traditional payday loans are ILLEGAL in many states! Generally speaking, ANY app that gives you so much for so little is a scam. Or they are selling your data to the highest bidder. But I haven’t read anything yet about EarnIn not being safe/secure…and they don’t sell your data. Thanks, EarnIn!! You make life SO much easier, sometimes:)

Bittersweet. This app is very convenient when you’re in a pinch and the customer service is wonderful. The main thing I find annoying is continuously having to send screenshots of bank statements and your work schedule because this app doesn’t keep up with my bank account. I’ve had to send countless screenshots almost every time I needed to cash out for an emergency and it takes so much time to gather the information needed to be able to cash out. I was in a grocery store and needed to cash out to buy my sons milk and ended up having to leave the milk because I had to send a screenshot of my work schedule, which happened to be at home on my work computer. You’d think for an app that is connected to your bank account, everything would update regularly from your bank to this app but sadly that was not the case for me ever! I’m honestly waiting for someone to create a better working version of this app so I can close my account with Earnin for good. This is my first time spending time to write a review in the App Store and I decided to take my time out to warn anyone else and let you know that it most likely won’t work in an emergency. With that being said, I hope they improve and do better!

Garbage...and customer service is a joke.. First time using the app. Will also be the last. The whole premise of this ripoff app is to “help”. I downloaded it, and then debated for days on using it. It finally came down to using it, or being overdrawn. Or so I thought. Turns out, I get both! Earnin took their payment a full 2 days before they were supposed to, and then refused to apologize, or even attempt to make it right. Instead, they repeatedly blamed my bank, and talked down to me like I was an imbecile. My payday is the 29th...not a holiday, so there is no reason to draft the payment 2 days early, even if The 28th IS a holiday. The termed state if payday falls ON a holiday, they will draft the payment a day early. NOWHERE does it says if your payday is close to a holiday, we’re gonna go ahead and take it 2 days early, and screw you in the process. So yeah, I got the cash I needed, but now because of these shady practices, I also get overdraft fees. I regret leaving a tip, it’s definitely NOT deserved. I will be deleting the app, and make sure all my social media contacts, family, and friends see my review, and warn everyone I can always from this scam. And customer service is rude, condescending, and worthless. Don’t blame the bank, when you initiated the withdrawal 48 hours early. You can’t post-date a withdrawal, just like you can’t post-date checks anymore. And you people should know this. You’re awful.

Better than you think. I have been soooo surprised by this app. Like a lot of people, I was very skeptical, and did a lot of research before trying it out. I was worried, partly just knowing myself, that I could “overuse” it and get myself into trouble. But not so! I’m not saying that isn’t possible. I’m saying that this app has actually allowed me to manage my money BETTER than I was doing without it. Being able to access cash mid-pay-cycle has made my life so much less stressful, because I no longer have to freak out when a bill is coming due at an inopportune time and I need groceries, and this and that, etc. It makes me feel way more in control of my budget and frees me up to make better money decisions. I think the community aspect is part of this, too. When you know you are not the only one in the boat, it boosts your morale, because you know a lot of people are in it together. Also, I love that we get to choose how much we “tip” and that’s it. No cost after that. And there are a bunch other perks, too! (Like cash back, and even help with health care bills..What? Awesome.) I hope I don’t jinx the good juju by writing this. So far, I just have to say, the experience has been great. Thanks!!

I wouldn’t recommend. I make over $700 a week and use the gps to track when I’m at work the earnings that they give me to use if I’m lucky is $315 I use to get more about equal to my pay after working 45 hours a week and if you don’t use it every week they lower the amount that you can access and when they pull it to pay it back it doesn’t matter if you have the money there or not they will overdraft your account and the reason I am leaving a 1 star is because I’ve had nothing but issues trying to get the earnings to update and even when dealing with the customer service I have had issues where they will not add the earnings even provided with the time sheets to prove that I work and they just blamed it on the way the pay period or that my wages have changed when they haven’t I’ve worked 45 hours a week for the past 2 years and my wages have only gone up in that time my job hasn’t changed and my pay period hasn’t but yet they keep reducing the amount that I earn and have access to weekly even tho I tip on avg. $150 a month and I have been using this app for a total of 15 months I have paid almost $2300 in tips I will no longer be using this app do to constantly having issues and having to talk to their customer service weekly and in all honesty it’s cost me more then it has ever helped don’t waste your time with this app.

Customer Service - Live Agents are no help. My app is continuously asking me for an earnings method which I had neither a work email or gps location for them to verify. Instead the first live agent used my schedule from my delivery work and said I would be able to transfer now. Once I go back into the app, the money is there but I can’t transfer it out because it is still asking me for an earnings method. I go back to talk to another live agent and I’m told to delete the app and reinstall it because everything looks good on their end. Ok, I do that and it doesn’t work. I contact them again, I’m told this time that the cache needs clearing so basically delete it again and redownload it. I do it again, doesn’t work. I contact them for a fourth time for THAT person to say everything looks good on their end. I say ok and end the chat. I’m not sure what happened to Earnin but when I first began using them they were great. Now I’m not so sure. If I as the customer am telling you that there’s a problem on my end of your app, sending you screenshots and everything of what I’m seeing, why would your response ever be “Well everything looks good on our end.” Especially in the midst of me telling you that it’s not working on my end. Does that really seem like it helps your customers?

Overdrafts. *ANOTHER UPDATE* This app has yet again taken it upon themselves to change my date of pay. Then overdrafted my account. I have been charged 5 overdraft fees because they debuted my account 2 days earlier than my actual payday. Even after I sent several screenshots of my check stubs. I have had the same employer for 10 years now. The pay is bi-weekly on fridays. That’s never changed. So I’m not sure why Earnin can’t seem to get it correct in their system. Especially when sent the documents THEY requested showing the pay dates. It’s absolutely disgusting that this would happen twice within a few months. Fool me once shame on you, fool me twice shame on me. My advice, read of the reviews because I’m not even the only customer this has happened to. And when you reach out and email them, they just respond by telling you they have marked the issue as resolved when it isn’t. Not at all. Update: Earnin did refund my overdraft fees and fix my withdrawal date. Giving 4 stars for lack of the hassle of going through this mess. They changed the day of the week I got paid without consent, then overdrafted my account for more than $100 because of the day change. I get paid on Friday but they charged my account on the Wednesday before. The service is handy, especially for a single mom like me, but not if they are gonna screw with your account and cost you more money in the long run.

Just awful. If I could give it a zero I would. They debited my account early and put my account in the negatives. Got into contact with support and was basically told that it’s not there problem. I never asked them to change the date of the debits, I never changed how frequently I got paid. They changed it themselves and took the liberty of not letting me know. Do yourself a favor and avoid this if you can. UPDATE: I’ve been to my bank multiple times, gotten every bit of paperwork from them that I could and then sent it to Earnin and they’re still saying that none of it is what they need even though it clearly shows their debits and withdrawals. At this point I feel like I can say goodbye to the extra money I had to use to get my account out of the negative because my account was debited early by their system. Especially after having to talk to multiple people just for the conversation to always eventually breaking down into “What do you want us to do about it?” 2nd Update: After giving them everything they’ve asked for they have still continued to do everything but reimburse me. They keep pushing the finish line further and further away and throwing more and more hoops in the way. This is absolutely ridiculous, I used to think that this was a great app to help others when needed but now I know better.

Bull****. Got approved for lightning speed, saw the small “charge” they use to approve you, then cashed out 100$ on a Friday using lightning speed which is supposed to go in your account “within minutes” Never got the cash out. Chatted with customer service 3 different times over a 4 day period. Was told to contact my bank to check for pending deposits after being told the money was already deposited into my account and sometimes banks hold it. I did, and they confirmed there was no pending deposits. Chatted again after being told once again the money shows it was deposited, I sent screenshots showing my transactions and clearly no deposits were made by them and you could clearly see the money they took out to approve me for the lightning speed. And being given the run around once again, I demanded the issue be fixed immediately, either deposit the money or cancel the cash out bc there was no way I was paying for something I never received. Customer service told me they were having it investigated and would receive an email regarding the issue within 48 hours. Next day the deposit was in my account with no email regarding what went wrong. Chatted again bc I wanted to know exactly what happened, with no answers at all. Tried again today and same issue. Still haven’t received my cash out and probably won’t tomorrow. Such a headache and highly DO NOT RECOMMEND!!!

Best app ever. I’ve been using Earnin for about 6 years now. When my friend first told me about it, it did sound weird and I’m definitely not the most trustworthy when it comes to apps being link to my finances. But after using Earnin for so many years, I’ve never had an issues and it has saved me on COUNTLESS occasions. When I first installed it and set it up I was living paycheck to paycheck and being able to spread that money out and pull from my next paycheck to make bills on time was a godsend. Now, 6 years later even though I am more financially stable, I still use it here and there for fun little things and it helps prevent needing to use any credit cards in between paychecks. Lastly, over the years I have had to contact support maybe a handful of times for minor tech issues in the app and Earnin’s support is awesome. Their chat support is quick, easy, helpful and they are always very kind. I have recommended Earnin to all of my friends and family over the last 6 years and will always speak of it so highly as it’s given me so much peace of mind & relieved so much financial stress over the last 6 years of using it!

It’s ok. This app is a life saver if you need up to 100$ but if you need more than that it’s pretty lame that they set a daily max, some users max might be different. Was in a real bind and even tho I’m in excellent standing they denied me an additional 100$. But I’m not upset, it was entirely my fault I’m in this situation as I’m terrible with money. But I did learn a valuable lesson (Take better care of your cash!) yet I feel inclined to say, this is 1 reason why I don’t tip, I never know where my money (does it go to the employees or the big guy?) goes to and because of this level of service I feel inclined, not to. It’s already 3.99 for lightning transfer.. just as bad as paying 4.99 for a pizza delivery fee.. than you gotta tip for a late pie? If things were different and inflation not so bad I wouldn’t mind but everyone doesn’t want to work so they charge “fees” for everything, yes it’s a business but don’t complain if your employees don’t get tipped. Not everyone makes 5-6 figures. With that all said this is a great “service” and I still tip when I can! It’s nice knowing you don’t have to tho, when things get really bad. Saved my life more than once. Thanks!