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Unlike other apps, all our features are completely free!
“[Earnin] lets you draw small amounts of your earned wages before payday” -Nerdwallet
“[Earnin] has quickly become a top-10 app in finance” - Forbes
3 Simple Steps to Sign Up:
1. Connect your bank and tell us where you work.
2. We’ll confirm your hours worked, and you can cash out those hours instantly.
3. On payday, we’ll debit your account for the money you cashed out.
Need access to the wages you’ve already earned before payday?
Cash Out and get paid when you want. Just connect your bank, we’ll confirm your hours worked, and you can cash out those hours instantly. On payday, we’ll debit your account for the money you cashed out.
Need your cashout immediately?
Set up Lightning Speed by connecting your debit card to your Earnin account and eliminate the wait time between your cash out and the money arriving in your bank account. It’s 100% free!
Need help avoiding hefty overdraft fees?
Sign up for Balance Shield Alerts to get notified when your bank account is low. Or turn on Balance Shield Cashouts to get $100 of your earnings deposited into your account to avoid an overdraft.
Need help remembering which bills are due?
Use our Calendar, a handy tool that informs you of any upcoming payments.
Need extra cash?
Sign up for Cash Back Rewards to earn up to 10% cash back when you shop at 1000s of participating local stores and restaurants.