88
good

EarnIn: Your Money in Advance | unitQ Score

The unitQ score is the fraction of public feedback data (iOS & Android) that mentions quality issues.
100 = No Issues. 50 = Some Issues. 0 = All Issues
-3 Points Past 7 Days
Category: Finance
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30-Day Trend
 
Poor
 
Fair
 
Good
 
Epic
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Android unitQ Score
Android User Feedback
29%
Android
903 Reports
iOS unitQ Score
iOS User Feedback
71%
iOS
2230 Reports
User Feedback
71%
iOS
2230 Reports
29%
Android
903 Reports
EarnIn: Your Money in Advance - Latest Quality Issues
Android
May 10, 2024
I borrowed 650 and somehow got charged back 700. Not counting fees, which were higher than advertised. I've used it without issues for a few months, but now I'm concerned I'll lose more money.
iOS
May 10, 2024
Not good
The app isn't good. It has a limit on what allows you to take which is 150. they want a tip for every transaction and charge you a fee. they require way too much information to even let you transfer your own money into your account. they want your jobs location in a timesheet of your job.
Android
May 10, 2024
Doesn't work with Current
Android
May 10, 2024
I'm giving this app 1 ⭐ cause after I installed it & tried to open it, it wouldn't load. I closed it out & tried to reopen it 5+ times but failed to load each time so I just uninstalled it.
Android
May 10, 2024
Had to re review. They updated to a "live pay track" system that's just all off and stops recording hours properly. It's also no longer based on hours worked that day or week but the previous week. It also seems to record in-between weeks and not the actual pay schedule. Idk what they did but the update has ruined the app, gotta find another option now
Android
May 10, 2024
It won't let me get back into my account I tried signing back in and the password I always use doesn't work so I try doing the forgot password thing and it never sends me the change password to my phone number or my email and then I try just making account cuz maybe my old one was closed out or something and then it says my bank account is still connected
Android
May 10, 2024
It only works when u have money in your account. Doesn't work when you actually need it. App sucks
Android
May 10, 2024
Seems like they get access to your bank account and all your information then make excuses as to why they can't help or they need more information when you just gave it to them... it's more in-depth then just adding your bank account
Android
May 11, 2024
Great app that works as it says for the most part, but I personally have never been able to transfer out a max $50 and my income more than exceeds the minimum transfer amount allowed for my account. So 4 stars is my rating.
EarnIn: Your Money in Advance - Product Description
EarnIn is a simple way to access your earnings before payday—and live life on your terms. Get up to $100/day or $750/paycheck to cover any expense.[5] Plus, keep your credit goals moving with free credit monitoring right from the EarnIn app.

Cash advances and loans can be confusing, misleading, and costly. With EarnIn, you can tap into the funds you’re already earning—for free.[1] Unexpected bill or upcoming rent? We got you. With EarnIn, there’s no interest, no credit checks, and no surprises.[5]

Here’s how it works: If you transfer $100 of your earnings, you get $100. Add an optional tip to support the EarnIn community, and that’s it.[2] When payday comes around, we’ll deduct the $100 you previously transferred from your direct deposit plus any tips.

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WORKS WITH YOUR BANK
Quickly receive your hard-earned cash ahead of payday, right to your bank account. We work with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and more.

GET INSTANT DEPOSITS
Access your earnings in minutes with Lightning Speed transfers.[1] By taking advantage of the funds you’re already earning, you get a smarter (and faster) alternative to a cash advance.

SAVE MORE
Whereas cash advances and loans are packed with high interest and headaches, EarnIn is designed to work for you with more peace of mind. EarnIn helps save money, manage your cash flow, and pay bills on time. [3]

COVER LOW BALANCES
Balance Shield Alerts send you notifications whenever your bank balance runs low.[4]

TRACK YOUR CREDIT FOR FREE
Plus, get alerts when your credit file changes, in case anything suspicious happens.

BACKED BY 24/7 SUPPORT
Questions or issues? Our Live Chat team is available 24/7, 365 days a year.

GET STARTED IN 5 STEPS
1. Add your bank account and debit card.
2. Add the employer you get your paycheck from.
3. Verify your work email. Don’t have one? Turn on Location Permissions, and we’ll automatically add earnings to your EarnIn account when we see you’re at your work address.
4. We'll verify your bank account, debit card, and confirm your hours worked. Then, you can transfer up to $100 of your earnings per day (up to $750 per paycheck) and tip what you think is fair (between $0-13). [2]
5. On payday, we’ll debit your account for the money you transferred + tips.[5]

For example, if you transfer $100 your future repayment is $100 + any tips. EarnIn has no legal right to repayment. For more information please see EarnIn’s terms and conditions: earnin.com/TOS.

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EarnIn is not affiliated with Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay or Credit Karma.

EarnIn is not a payday loan or a personal loan. There's no interest or APR to transfer from your paycheck. EarnIn does not require a minimum or maximum repayment time frame. It's simply your money, when you want it. Join EarnIn today, and start making any day payday.

EarnIn does not sell your personal data to third parties. Learn more about our privacy policy: earnin.com/tos.

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Disclaimers:
[1] Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Transfers may take up to thirty minutes, actual transfer speeds will depend on your bank, see Cash Out User Agreement for details.
[2] Tipping options will vary between tools.
[3] Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts.
[4] Balance Shield Cash Outs are subject to your available earnings, Daily Max and Pay Period Max.
[5] Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. Restrictions and/or third party fees may apply. For more info and for our privacy policy, visit earnin.com/tos
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