EarnIn: Beyond Cash Advance
Description
EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more. GET UP TO $150 PER DAY* Access up to $150/day, with a max of $1,000 per pay period. Get your money in your bank in minutes for a small fee, or in 1-3 business days at no cost. NO MANDATORY FEES No interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.¹ ACCESS YOUR OWN CASH Tap into money you’ve already earned to pay bills in advance, keep your budget on track, and more. Why borrow money, take out a payday loan, or use a cash advance?^ GET PAID EARLY With Early Pay, you can get your paycheck up to 2 days early. Just $2.99 per expedited transfer to your primary bank.‡ HELP AVOID OVERDRAFTS With Balance Shield, you can get alerts & custom transfers from your own pay to help protect your bank balance.** TRACK YOUR CREDIT SCORE FOR FREE Your VantageScore 3.0® by Experian® is just a tap away.^^ EFFORTLESS SAVING With Tip Yourself, you can set yourself up to save every time you get your paycheck.² SAFE AND SECURE We use the latest in security technology to keep your data protected. BACKED BY 24/7 SUPPORT Our Live Chat team is available 24/7, 365 days a year. EarnIn is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, MoneyLion EarnIn EarnIn, P.O. Box 46 Palo Alto, CA 94302 _ ^ Expedited transfers available for a fee. Visit Earnin.com for full details. * Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not. ¹ EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details. ² EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC. FDIC insurance covers eligible funds should the bank holding your funds fail. Fees and restrictions apply. Visit EarnIn.com for full details. including FDIC coverage information. ³ Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details. ⁴ Your VantageScore 3.0 may differ from the score your lender uses. Visit Experian.com for full details. ⁵ EarnIn is not a bank. Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details. ⁶ Paid Testimonial. Compensation was provided for this testimonial, but the statements reflect a real EarnIn experience.
What's New
We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements.
Details
- Developer
- Activehours Inc.
- Main Category
- Finance
- Version
- 16.52
- Version Release
- 2026-07-13
- Initial Release
- 2013-10-25
- Size
- 184 MB
- Age Rating
- 4+
- Price
- Free
- Languages
- EN
- Bundle ID
- com.activehours.Activehours
- Version Rating
- ★ 4.78 (438,588)
- First Seen
- 2026-05-28
Metadata updated 2026-07-19
Rank History
Free · Max 90 days · Top 5 categories shown (Y-axis: rank, lower is better)
Free Rankings
Paid Rankings
No rankings
Competitive Benchmark — Finance Top 10
What it takes to beat this app — comparison with the category's top apps. The orange row is the current app.
| # | App | Price | Rating | Ratings | Langs | Last Update |
|---|---|---|---|---|---|---|
| 1 | Kalshi: Trade the World Cup | Free | ★ 4.82 | 394,010 | 1 | 2026-07-15 |
| 2 | Polymarket | Free | ★ 4.64 | 52,282 | 1 | 2026-07-18 |
| 3 | Cash App | Free | ★ 4.79 | 8,533,427 | 2 | 2026-07-13 |
| 4 | PayPal - Pay, Send, Save | Free | ★ 4.78 | 6,298,539 | 36 | 2026-06-11 |
| 5 | Venmo | Free | ★ 4.85 | 15,467,102 | 1 | 2026-07-09 |
| 6 | Capital One Mobile | Free | ★ 4.85 | 10,851,900 | 2 | 2026-07-07 |
| 7 | Trump Accounts: Official App | Free | ★ 4.80 | 6,901 | 1 | 2026-07-14 |
| 8 | Chase Mobile®: Bank & Invest | Free | ★ 4.84 | 9,315,675 | 2 | 2026-06-29 |
| 9 | Chime® – Mobile Banking | Free | ★ 4.82 | 1,524,802 | 1 | 2026-07-14 |
| 10 | OnePay – Mobile Banking | Free | ★ 4.86 | 380,162 | 1 | 2026-07-14 |
| 58 | EarnIn: Beyond Cash Advance | Free | ★ 4.78 | 438,588 | 1 | 2026-07-13 |
User Reviews
Happy customer . Quick and easy and fast process I’m pleased 😁
I honestly don’t like how they take all the money out in one setting and only give you $50 back in increments. I would prefer the amount to be higher like it was before $100 $150 and increments the amount has decreased and I really don’t like that and it almost allowed me to stop using earnings but it is a reliable financial source.
do not get this app, they added a feature that will only give you a cash advance if it tracks where you are at all times DO NOT DOWNLOAD 🙅🏽♂️🙅🏽♂️
They’ve been taking the money out before my paycheck hits, sending my account into the negative…
For every transaction they take 30 dollars courtesy fee.
They lie about the referrals. I referred someone and was suppose to get $100. and they are giving me the run around about the deposit . I no longer see it as pending in my tip jar yet I screen shot of it when it was there. They also show as a completed referral but I was never paid out. Customer service told me the referral person has to call them and tell them that EarnIn did debt their account. Idk why. it shows as pending on the companies end. Completed on the person’s bank, but I’m not compensated ???
Perfect
They overdrafted me on a holiday. Then I was reschedule the payment dates and we agreed on a set date but the auto charged me again a week before ! This has set me more behind and there is not one live person you can speak to . It’s very frustrating their way of handling their mistakes .
It really helps in a pinch
They will change your cash out max to a lower limit, randomly and charge you a repay fee. Then they’ll offer you a smaller 2nd loan so that when you repay them, they get 2 fees instead of 1. They are crooks for that
Not sure why I got offered 100 then they took it back. They’re saying it’s because my work address can’t be validated, but I have my location on and I go there three days a week so not sure what’s happening with this app but I think I’ll uninstall it.
This app is fraud and needs to be reported, a waste of time now it won’t let me delete
Reviews are collected only for apps with detected changes (new entries or sharp risers).