EarnIn: Beyond Cash Advance

I've have the app since 2021 ish and used it pretty often until this year. And honestly, Earnin has saved me so much in overdraft fees during that time. The app is pretty simple - you just create your account, and provide some info about your pay period and pay amount. Then, the app tracks how much you're making, then you can 'withdrawal' from that, up to a certain pay period amount (I.e. $750 per pay period). there is also a daily withdrawal limit. The limits adjust automatically, so when I stated using the app, my daily withdrawal limit was I think $100. Now it's $150. When you withdrawal, you can chose to do a direct deposit and you can select the free withdrawal for that full amount. There is no required fee or tip! The free option says the money deposits in 1-5 days, but honestly my bank always accepted it same day. This is borrowed money, so on your payday, whatever you have withdrawn + any fees/tips you selected will be charged to your bank account. So if you withdrawl $100 for 3 days, no tip or fee used, on your payday, the app will charge to your bank account the $300. So, this app is not a cure for bad spending or tough financial situation. It is however an absolute life saver when your account is low, you have some small emergency, or you need cash before you get paid. I'd recommend this app for anyone! But keep in mind, it does take some time to setup your account, and you will have to verify your employment. it is NOT free money. It is a very short term no-interest loan. But it is an absolute life saver.

Update: I kept the 5 stars. BUT, PLEASE READ THIS! I turned on the overdraft protection shield and without my knowledge it tipped the app automatically which is supposed to be optional. I no longer use this feature because that felt like a violation of my trust when I was already giving tips I felt was fair. Ever since then the good faith tipping from me is $0 every time because you already extracted bad faith “tips” from me without my approval and until I’m in a position where it doesn’t negatively affect my life this app gets a $0 tip every single time now. I hope that few weeks of blind tips was worth me never tipping again, guys. I hope you hear this feedback because as nice as this service feels…It’s also dangerous to get into this cycle of living beyond your means. I can draw $1000 from my next paycheck and it’s dangerous to have your next paycheck instantly depleted and then you have to keep using it to not run out of money. Used correctly it’s a powerful tool. I wish you hadn’t applied the auto tips with the shield and broken my trust, because I’d still be tipping. I use this app every other day when I’m worried I’ll bust my account. I used it to buy a new graphics card and create income for myself so I’m thankful. It works and the longer you use it the more they allow you to withdraw per pay period. Just be careful of what I mentioned above. Use it to pay off your credit cards and focus on saving money and not spending on anything unnecessary just because you can.

I’m writing this review to extend my eternal gratitude. I had managed to get into a bad patch of my life where I was nearly going to lose my job and my home. I had been plagued with bad habits and some addictions, which I suspect transpired from the great pressure in my leadership position. I know, that seems a bit ironic, but it can easily happen to anyone that is going above and beyond at the job. I forgot about myself in the process. I knew I needed to do something about it quickly. I ceased all at once and went through lots of pain in the coming days. With that said, I knew that wouldn’t be enough to climb my way out of the financial hole quickly enough to stay living here. In my desperate search for answers, I stumbled upon this app. All I needed was about $400 to make the difference and break even. I prayed for this daily and I was blessed. Though it stated I would only be able to withdrawal $100 to start from the first pay period, it was much to my surprise that I had been granted the option of taking out up to $400, the exact amount I needed. All I have to say is keep up the great work with continuing to provide this option for those struggling. And I hope others can also triumph from their shortcomings. It’s certainty not easy, but this app makes it easier. This app saved me from going homeless and that is a miracle. Thank you so much for being awesome and providing the public a great service.