Get paid as
you work —
up to $150/day
Get paid as you work —
up to $150/day1
With a max of $750 per pay period
Get your
paycheck up to
2 days early in
your bankGet your paycheck
up to 2 days early in
your bank2
Stress less
about low bank
balances
Stress less about
low bank balances3
Track your
credit score
for free
Track your credit
score for free
Save every
time you
get paid
Save every time
you get paid4
How it works
01
Sign up in minutes
Securely link your bank account, then verify your identity and employment.
02
Access your money
Transfer up to $150/day (with a max of $750 per pay period1) to a linked bank account.
03
Get more out of every day
Get your paycheck up to 2 days early2, help avoid overdrafts3, and plan for what's next.
Join millions managing their earnings
"EarnIn fills the gaps when I don’t want to dig into my credit or savings."5
Nina
EarnIn customer since 2020
460K+
5-star reviews
19M+
App downloads
It’s your money — take control of it
Cash Out
Access your money in 1-3 business days at no cost / in minutes starting at $2.99.1 No mandatory fees, no credit check, no interest.
Early Pay
Now your direct deposit can land in your bank account up to 2 days sooner — just $2.99 per expedited transfer.2
Balance Shield
Help protect against overdrafts wherever you bank with custom alerts and automatic $100 transfers.3
Credit Monitoring
See your VantageScore 3.0® by Experian® right in the app.6 Stay ahead of surprises and potential fraud — did we mention it's free?
Tip Yourself
Set yourself up to save every time you get paid with a no-cost, FDIC-insured account.4 Then kick back and ace your goals.
It’s your money — take control of it
Cash Out
Access your money in 1-3 business days at no cost / in minutes starting at $2.99.1 No mandatory fees, no credit check, no interest.
Early Pay
Now your direct deposit can land in your bank account up to 2 days sooner — just $2.99 per expedited transfer.2
Balance Shield
Help protect against overdrafts wherever you bank with custom alerts and automatic $100 transfers.3
Credit Monitoring
See your VantageScore 3.0® by Experian® right in the app.6 Stay ahead of surprises and potential fraud — did we mention it's free?
Tip Yourself
Set yourself up to save every time you get paid with a no-cost, FDIC-insured account.4 Then kick back and ace your goals.
FAQs
Why EarnIn?
We believe hard work deserves same-day pay.1 Because you shouldn’t be stuck waiting for what you’ve earned. It’s simple: When your money moves more freely, so can you. More about our mission, here.
How does it work?
EarnIn accepts tips, not mandatory fees. You have the choice to pay what you think is fair (even $0) when you cash out.7 And if you need your money within minutes, you can expedite the transfer for a small fee.8
Who can I talk to?
Questions? Chat with your EarnIn Care Team via app or web — we're available every day of the week.