EarnIn App Review [2024]: Getting Paid Sooner Just Got Easier

Woohoo! You just got paid!

As great as that feels, it’s short-lived. Now, you have to wait a week, or multiple weeks, until your next paycheck. Weekly, biweekly, semi-monthly, monthly — employers follow a number of pay schedules. But why not daily?

EarnIn¹ can change all that by giving you access to your wages the day you earn them.² Quick access to the money you worked for can help alleviate some of the day-to-day financial worries you might feel.

In this EarnIn app review, we’ll provide an overview of what EarnIn is, how it works, and how you can use it to get paid the same day you work.

What is EarnIn?

EarnIn, formerly known as Activehours, is a mobile app that allows you to draw up to $100 per day from your earned wages before payday. The company was founded in 2013 and is based in Palo Alto, California.

EarnIn isn’t a payday loan or cash advance app, but rather a solution to rigid pay schedules. EarnIn gives you access to the pay you’ve already earned without fees or interest.³ The company relies on support from its community of users by asking them to pay what they think is fair for using its service. So if you don’t want to pay anything, you don’t have to. You also have the option to pay it forward by leaving a digital tip to cover the next EarnIn user.

According to the EarnIn website, there are currently over 4.4 million active members. Plus, the app itself has received over 380,000 5 star reviews.

The company currently has an A rating with the Better Business Bureau (BBB) and has been accredited since June 2019.

How does EarnIn work?

EarnIn is an app-based service, so everything is handled right from your smartphone. You simply connect your bank account and add certain information about your employment. This allows EarnIn to confirm where you work and understand your pay schedule.

After you work, you add your earnings in the app. You can do this by providing EarnIn with your electronic timesheet or by adding your earnings automatically via the platform’s Automatic Earnings feature.

By sharing your location, EarnIn can learn your work schedule and automatically add earnings after you’ve finished work. EarnIn does not support remote workers at this time.

In addition to the app’s cashout feature, EarnIn also offers a cashback feature. Simply enroll your credit card, and you can earn between 1% and 10% cash back when you shop with a participating local business. Additionally, with EarnIn’s Balance Shield feature, you’ll find protection from overdrafts. If you’re happy with the service, you can choose to pay EarnIn — though you don’t have to.

Who can use EarnIn?

You need to meet a few requirements to be eligible to use EarnIn. First, more than half of your direct deposits must be deposited into a checking account. You have to have a normal pay schedule — weekly, biweekly, semi-monthly, or monthly. Lastly, you must have a fixed work location that EarnIn can use to track your work activity. If you don’t have a fixed work location, you need to have an online or electronic timekeeping system at work that EarnIn can use to determine that you completed your workday.

Common questions about EarnIn

Other money apps to consider

If you’re ever in a situation in which you can’t pay your bills because you’re forced to wait for payday, EarnIn might be a solution that can help you figure out how to manage your money better. Having access to your pay as soon as you’ve worked for it can be a big help.

If EarnIn doesn’t sound like it’s for you, that’s OK. You might not need, or want, immediate access to your earned wages. There are a number of money apps and budgeting apps worth considering that can help transform your overall financial situation and help you figure out how to save money.

Digit, for instance, analyzes your spending habits and automatically saves exactly what you need to reach your goals. Digit looks at your checking account balance, upcoming bills, and expected purchases and shifts available money to your Digit account. Digit helps you reach your savings goals without you needing to lift a finger.

Stash is another money app that should be on your radar. Between its debit card that offers rewards in the form of stocks or its flagship Stash investment tool, investing has never been easier. Stash offers three investment account options — Beginner, Stash+, and Growth — costing just $1, $3, or $9 per month, respectively. Each account option offers different features, so it doesn’t matter how much investing experience you have — Stash has got you covered.