Earnin App Review

Earnin App Review [Is Earnin App Legit & Safe? 2022]

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Earnin App Review

When consumers are in urgent need of cash, they increasingly turn to lenders offering payday loans. In fact, twelve million Americans take out payday loans each year totaling $9 billion.

However, these loans can be extremely expensive and often have terms that are highly unfavorable to borrowers.

Despite these costs, and regulatory efforts at the state and federal levels to enact reforms, expensive payday loans nonetheless remain popular.

However, there are starting to be alternatives for stressed-out consumers who are in need of fast cash between paydays.

One of the options that people can now turn to is Earnin.

Let’s take a quick look at Earnin and see if this innovative online platform could help you with your cash flow problems. 

Onto our Earnin app review!

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What is Earnin?

Earnin is a high-tech online lending platform that specializes in small short-term loans targeted to support salaried or hourly workers who are paid on a consistent basis.

Founded in San Francisco in 2012, the app touts itself as offering an alternative to payday loans, since it doesn’t charge borrowers any of the interest or high fees that payday lenders do. 

Eligibility Requirements

Earnin App requirements:

In order to use Earnin, you must have over 50% of your work earnings sent to your checking account via direct deposit.

Additionally, you must also have some sort of regular pay schedule; the schedule can be weekly, biweekly, semi-monthly, or monthly.

Earnin users mush also have a fixed work location, some sort of qualifying online timekeeping system at work, or a paper printed PDF style timesheet.

Finally, Earnin is only available in the United States. 

Earnin App Logo

How Does Earnin App Work? Earnin App Explained

What’s Earnin app? Earnin is super easy to use and operates via a mobile app platform. Once you download the app and create an account, you link Earnin to the checking account where the money you earn from your job is deposited.

The app then monitors your progress at work via different means, depending on the type of work you do. For example, Earnin will use geolocation to verify salaried workers actually went to their place of employment.

The app can also track the timesheets of hourly workers. On-demand workers, such as Uber drivers, will either automatically or manually upload verification of task completion. 

Once you have earned money in your job, you can request an advance of up to $100 daily from Earnin. As soon as you request the advance, it will be deposited in your account rapidly.

Earnin App Fees

There are no fees or interest charged on any advances you receive from Earnin, and you automatically repay the advance once you are paid by your job (via a transfer out of your checking account).

How does Earnin app make money? Earnin gives you the option to both provide a “tip” to the app itself or to place a small amount of your own funds into savings as well. 

Earnin App Customer Service

Earnin has an in-app 24/7 live chat support line, where users can reach a customer service representative at any time, day or night. Additionally, the company also encourages users to use their Facebook page or to direct message (DM) them on Twitter if there are any questions or issues as well.  

Is Earnin App Legit?

Earnin Reviews & Complaints

Earnin is accredited with the Better Business Bureau and carries an “A+” rating with the BBB. Additionally, the platform has an over 4 out of 5-stars BBB customer review rating, with over 475 customer reviews. 

Earnin App Pros and Cons

Here are some of the key pros and cons you should consider with our Earnin App review:


  • Low Cost. Compared to payday lenders, Earnin’s services are way cheaper and will help you avoid high-interest charges and fees if you need to borrow cash between paychecks.  
  • Ease of Use.  It is easy to sign up for and use Earnin and doesn’t require you to go to a bank or talk to anyone; most of the work can be done right on your smartphone or mobile device.  
  • Fast. You can request and receive a payday advance from Earnin in a matter of minutes. 


  • Small Advance Amounts. You can only borrow $100 per day from Earnin, or up to $500 in a single pay period. So, if you need to borrow more money to get you from paycheck to paycheck, Earnin will probably not be a good fit for you. 
  • Direct Deposit and Workplace Verification Required. In order to use Earnin, you need a job that enables you to regularly deposit your earnings into a checking account via direct deposit; if you have an unconventional occupation, you’ll probably have to look elsewhere for a payday loan solution if you are short on cash. 

Earnin App Competitors & Alternatives

Is there an app similar to Earnin App? There are similar online platforms offering services comparable to Earnin; these Earnin App alternatives include: 

Each of these platforms works differently and has different terms of service. If you are looking for some bridge financing solution to help you out between paychecks, all of them are worth considering.  

Frequently Asked Questions (Faq)

Below are some of the most commonly asked questions about how Earn App works.

Does Earnin App work with chime?

No, Earnin App and Chime do not work together. However, there may be an Earnin App Chime integration in the future.

What is the Earnin App interest rate?

Earnin App doesn’t charge any interest or fees, instead, users can optionally tip the platform. The maximum amount you can tip Earnin App is $14.

Is Earnin App safe?

Earnin App uses the same types of security software and protocols that banks use such as 256-bit encryption.

Are there many banks that work with Earnin App?

According to the Earnin website, to find out if your bank is supported, you need to sign up for an account.

Parting Thoughts: Surviving Paycheck to Paycheck

If you’re struggling to make ends meet between paychecks, Earnin could be a great service to consider. Earnin’s services offer a low-cost solution to provide the funds you need to take care of your personal affairs prior to getting paid.

It may be just what you need to ensure that you can meet all of your obligations, and not have to deal with the high interest rates and harsh terms of a payday lender, too. 

Check Out Earnin App

See if Earnin app would be a good fit for your needs


Enjoy our Earnin App review?

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