117796 votes - Finance - First release: 2013-10-25T22:19:57Z
Description - 4+
Earnin is a community-supported app with a mission to build a financial system that works for people. Access up to $500 between paychecks, save money by tipping yourself, get your money in minutes, explore savings options on medical bills, help avoid unnecessary overdraft fees, and earn cash back on your purchases.
Six financial tools in one simple, easy-to-use app. With Earnin, there are no hidden fees. Just pay what you think is fair.
SIMPLE STEPS TO CASH OUT:
Connect your bank and tell us where you work.
Turn on Location Permissions - we will automatically add earnings to your account when we see you come and go from your work address.
We’ll verify your bank and confirm your hours worked; you cash out up to $100 per day and tip what you think is fair, between $0-14*.
On payday, we’ll debit your account for the money you cashed out plus any tip.
• 75%: 75% of members say Earnin has increased their ability to pay for gas and get to work.
• 15M: Community members have tipped extra to cover a fellow member’s tip over 15 million times.
• $133: Health Aid has found average negotiated savings of $133 per community member. (Results not guaranteed)
• $100M: If members made the same purchases without accessing their pay using Earnin, they would have incurred over $100M in additional overdraft fees in June 2019.
+ Cash Out
Get paid when you want. Up to $100 per day, and up to $500 per pay period.
+NEW: Tip Yourself
Create a Tip Jar for your savings goal, like a rainy day fund. Tip yourself for going to the gym, eating healthy, or finishing a project by putting a few bucks in your Tip Jar.
+ Lightning Speed
Connect your debit card to your Earnin account and receive your money in less time, with no additional charge!
+ Health Aid
Send us your medical bill and we will negotiate with your medical provider to try to reduce your balance and/or find you a more affordable payment plan.
+ Balance Shield
Balance Shield Alerts notify you when your bank balance is getting low. Balance Shield Cash Outs send up to $100 of your earnings directly into your account to help avoid the chance of overdrafts.*
+ Cash Back Rewards
Earn up to 10% cash back when you shop at 1000’s of participating local and national businesses.
+ NEW: Work From Home
Even if you’re working from home, you can still cash out! Verify your work email address, and once confirmed, you’ll be able to accrue your earnings and cash out!
+ NEW: Unemployment Benefit Cash Outs
We’ve added the ability for members to cash out their unemployment benefits so that everyone has the freedom to access the money they need when they need it.
+ Automagic Earnings
Automagic Earnings automatically adds your earnings to your account based on your work address. It replaces the need for a timesheet. For it to work, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address.
+ Live Chat Support
If you have any questions or issues with the app, our Live Chat team is available 24/7, including all holidays.
+ 256-Bit Data Encryption
Earnin uses bank-level encryption to protect and secure your data.
+ Financial Calendar
A budgeting feature that informs you of any recurring payments that are coming up.
*Note that tipping options will vary between tools.
*Once Balance Shield is activated, it must be reset after each use.
*You shouldn’t have to pay to save. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. For more information visit https://www.earnin.com/privacyandterms#tipyourself
*Restrictions and/or third party fees may apply. For more information visit earnin.com/TOS.
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