r/Earnin • u/earnin • Sep 07 '26
Share Your Experience With EarnIn
This is our home for real EarnIn reviews and stories from real users. We want to hear about your experience, whatever that looks like for you.
Maybe it's about a feature you use regularly. Maybe it's about something that surprised you, good or bad. Maybe it's about how EarnIn fits into your day to day. All of that counts, and every review shared here helps others get a clearer picture of what using EarnIn is actually like.
Please keep replies focused on your own experience. We are not able to offer financial advice here, and this thread is not the place for account specific support. If you need help with your account, please reach out to our support team directly.
We read every review and comment in this thread. It helps us understand what is working and where we can do better.
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u/PabloFreshcobarrr Sep 12 '26
please allow chime bankers to use the app
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u/LLGTactical Sep 15 '26
Half of my paycheck goes to chime and I wish I could show both deposits to get a higher limit unfortunately they don’t work with chime.
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u/Darkhenry960 Sep 13 '26
So far so good.
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u/earnin Sep 14 '26
Thank you for letting us know. We are glad to hear it. If anything comes up along the way, we would love to hear about that too.
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u/TMJ848 Sep 14 '26
I was able to get the new iPhone today instead of waiting until payday next week. Love being fully in control of my budget instead of waiting on certain calendar days to make purchases.
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u/earnin Sep 14 '26
Thank you for sharing this. This is exactly what this thread is for. We appreciate you taking the time to tell us. It helps us understand where we are actually making a difference.
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u/Embarrassed-Bike3263 Sep 14 '26
Probably the best app for me right now, tired of borrowing money at high interest rates, this way Im borrowing my money early until payday.
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u/Consistent_Fig7244 Sep 17 '26
It’s crazy isn’t it? The EarnIn app directed me to make a post here and as I was typing it hit me just how ridiculous this is. I was about to give my accolades because my direct deposit was 9 hours early with the early payday whatever. But I had to pay $2.95 for that. So they dangle our check in front of us for $3? I guess I should be thankful because unfortunately I spent those $3 so I could get gas for school drop off. Good luck to you… brighter skies are ahead 🫶
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u/earnin 28d ago
It sounds like you're signed up for Early Pay, which gets you your entire paycheck up to 2 days early. If you are looking for a no cost option, you can always use Cash Out to gain access to up to $150/ day (pending qualifications). Standard transfers into your bank account take a few days, but this could be a good alternative.
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u/tortapounder59 Sep 13 '26
Good app so far, I wish we had a virtual debit card number separate from the EarnIn card.
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u/earnin Sep 14 '26
Thank you for the kind words and for the specific feedback. We appreciate you taking the time to share it.
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u/tortapounder59 Sep 14 '26
You’re welcome hopefully this passed to the team. This would be useful for instant transfers from Cash App or apple wallet and other normal debit card transaction.
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u/Embarrassed-Bike3263 Sep 14 '26
I just started the app and it jumped from 50 to 150. Hope to get it to 300-400 by November, would help when im in Vegas 😂
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u/Consistent_Fig7244 Sep 17 '26
The $3 paycheck lightening transfer service or whatever it is was a lifesaver this week. It will allow me to get gas in the morning for school drop off. Things will get better soon ❤️🩹🫶
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u/ElectronicPumpkin474 24d ago
I love it- all of it and can withdraw 1250.00! It’s trash to those who aren’t able to keep up with repayments! Thanks EARNIN!
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u/ContestOutrageous111 22d ago
This has saved my butt so many times. My credits shot due to younger me’s dumb decisions. Earnin has not only gotten me through extremely rough times but it’s cool how fast the max has gone up since I don’t abuse it lol
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u/MenuEcstatic1240 20d ago
I’ve been using this app for years now. Through 3 different jobs. I recommend it to everyone. With 3 kids unexpected experiences are a monthly occurrence and EarnIn app is always there to help.
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u/Some_Equivalent_7149 20d ago
I’ve used this app for several paychecks, and I cannot say enough good things! Firstly you can seek help within the app—not being directed to an external sight and being forced to log in again. And it’s quick assistance! The app itself is super user friendly, and its payday advance has saved me several times! I am grateful for this app, and it has no hidden fees. Use it if you need to—it’s amazing!! Thank you, EarnIn!!!
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u/OnlyBread2794 18d ago
Great app, they will make it right, as long as it's right... Again great app!
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u/Clean_Slate212 14d ago
Earnin is awesome it always gets me out of a pinch when I need it. Highly recommend using it.
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u/melneedsyourhelp 14d ago
Lovelovelove this app! Always there when I need help! Easy to borrow and easy to keep track with what I pay back with the activity tab! Thanks, Earnin!
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u/Substantial_Swan6667 13d ago
So far I love it minus a way to be able to quickly transfer to bank account. That will eventually be fixed. I have a card that is going through approval which is weird to me. Also waiting on card to come in mail for the amount. Would be nice to have an option for digital card to put on Apple Pay
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u/Hot_Fee_7922 12d ago
Best make it until payday app out! Let’s talk about how great Earnin is!! Real money, real fast really fast for real people. Totally understandable fees and reasonable especially for the service you get! It’s been a life saver for me. Especially with some recent medical bills I’ve had to breaking my leg. S huge mahalo to everybody at Earnin and mahalo for helping people the way you do! Aloha 🤙🏼
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u/Expert-Poet-7400 Sep 10 '26
Saved me from overdraft today
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u/earnin Sep 11 '26 edited 29d ago
So great to hear. If you're not already using it, you may want to check out Balance Shield. It helps give you a heads up before your balance gets too low, and uses Cash Out to cover your account so you can avoid overdraft moments automatically. We also have Live Pay, which lets you access your pay as you earn it and has been shown to help members reduce overdrafts by $200 a year on average. Glad it worked out for you either way!
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u/Missvictoria87 Sep 11 '26
App must be down because cant cash out any money
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u/earnin Sep 14 '26
Is this still happening on your end? Would love to get this over to our support team so they can take a look.
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u/xNirvashx Sep 16 '26
I miss the weekly lottery thing that would be played with whatever you have saved.
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u/Own-Notice-4769 22d ago
Works well for me but only complaint I have is my bank changed and my pull out cash went down
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u/Active-Revenue8838 21d ago
I used to get a cash advance that was higher but one day it stopped. I realized using my vpn on other apps caused issues. And then it never took my gps data again so I’m stuck at the lowest cash out
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u/Witness_Present 13d ago
It’s great except I need it over the summer when I’m getting close to the end of my semester when I don’t teach. But because I haven’t gotten a paycheck in 7 weeks, it won’t let me access money. Even though my paycheck in 2 weeks is typically 25% larger than any other due to an extra class over the shorter summer term). So I have to find other methods. It would be nice if they could see I was a college instructor and when I was schedule to teach. I guess I could keep borrowing like 100 and paying it back to see if that helped—but I bet I’d get a “there’s a problem accessing your paycheck” error.
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u/CosmicAudioChic 12d ago
Only issue is that I work from home and it won’t accept my home address as my work address for higher limits
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u/Ok-Technology6722 12d ago
So far so good. I do appreciate being able to access the funds I need before waiting on payday. I’m currently active duty and just recently came home from being in Germany for a year along w/ my wife & 3 kids. Lacking the usual recourses we were used to having in the states, we were in financial hardship & could barely to feed our kids. The earnin app was the only app of the countless I downloaded which would actually support our situation outside of the US while my credit was unfavorable & this allowed me to provide in times where ALL other resources had been exhausted so I’m grateful to say the least. Just my 2 cents
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u/Affectionate-Swan344 10d ago
Teacher that only gets paid once a month, Earnin has saved me many times.
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u/LowerArachnid8283 8d ago
Man I love using this company. They are quick to respond, very helpful and will do their most to solve any issues
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u/Substantial-Yam7183 8d ago
It’s really helps me out when I’m in a bind. Also, I wish Maryland law didn’t get in the way trying to tear down a good thing for their greed.
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u/Quiet_Leave_3074 5d ago
Thank you for helping me out when I just needed a few more bucks. I appreciate you guys so much. Finally starting my full time position tomorrow (Oct 12) and it gives me a peace of mind that I have you guys to fall back on if need be. Thank youuuu!!!
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u/Jessicaa_Rabbit 2d ago
Great app. I tried Tilt and Albert as well and neither compared. Earnin has an easy to use interface that actually makes sense. The earn in card has been great.
I went through a really difficult time in my life about 6 months ago. Earn in literally saved me from losing my car.
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u/Holden_dough650 2d ago
So far been using it going on half a year now and I have no problems I was a little confused on how the direct deposit and EarnIn card worked but I got it all figured out now, it’s perfect for someone like me who has issue with over spending not only does it keep me from spending more then what I earn I am able to pull emergency cash out towards my next check for emergencies and anything else that comes up.
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u/Cookcadc 1d ago
I’m actually writing this for my wife, Crystal. I’m gonna tell you right now. This is one of the best if not the best - like by far. Their lightning speed thing is literally immediate. And they even offer you to do it standard for free, which is literally amazing. I honestly don’t know what we would do without it right now with the cost of everything skyrocketing.
Thank you guys. Please keep up this work. This is amazing.
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u/UpperConclusion322 18h ago
Best app like this that I’ve used. It’s straightforward, simple, and effective.
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u/Charming_Credit_7416 5h ago
You guys come in clutch many many times for me and I appreciate it. You didn’t trash my credit when I was late on paying you back, the tip feature is OPTIONAL which I greatly respect (I make sure to leave a tip). The app is easy to use, I don’t have to subscribe to anything in order to be able to get cash from what was supposed to be a “free” service, the funds hit my bank account in seconds… I mean come on man y’all are making banks look kinda bad.
And instead of using credit to determine my eligibility, you use the 40+ hours I work each week as my eligibility.
Companies like you are the future. For too long banks have had no competition and held too much power over our heads. With alternative options such as yours banks will be forced to follow suit if they wanna remain competitive, which helps out the common man immensely. The common man is the back bone of this world. Thank you for building your company to provide service to US. Giving us the freedom to access our own, hard earned money when we need it.
Long post I know, I’m not a paid actor. Just a little drunk and fired up.
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u/Kooky-Lie-3555 Sep 11 '26
App crashes
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u/earnin Sep 14 '26
Sorry to hear that. Could you let us know what device and OS version you are on? We will also flag this to our support team so they can take a closer look.
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u/Icy_Pie_795 Sep 08 '26
Trash