You worked today,
get paid today

Access up to $150/day, with a max of $750 between paydays, in minutes — starting at just $2.99/transfer.¹ No interest. No credit checks. No mandatory fees.²

A user receiving notification from EarnIn application on a mobile phone

CASH OUT

Life doesn’t wait
for payday

Power bill? Pizza night? Mom’s bday? Get up to $150/day, with a max of $750 between paydays — for whatever life hands you.¹

A smiling person holding a glass of drink, sitting at a table with another person, with green plants and a light-colored wall in the background.

Join the millions who
stress less and live more

81%

EarnIn customers experience less financial stress.

4.4 million

Teachers, government employees, auto workers, and more use EarnIn.

$756

Saved per year on average by avoiding late fees.

Same-day pay is just the start

LIGHTNING SPEED

Transfer to your bank in minutes

Get your money fast with Lightning Speed — starting at just $2.99/transfer.² Not technically magic, but you might feel like you’re casting spells.

TIP YOURSELF

Saving money now takes care of itself

Automatically save with every paycheck so you can reach your next goal sooner.⁴

CREDIT MONITORING

Track your credit (for free)

See where you’re at and get confident about where you’re headed with free access to your VantageScore 3.0® by Experian®.⁵

BALANCE SHIELD

Keep your balance out of the red

Get instant alerts and an automatic Cash Out if your bank balance falls below your set limit.⁶ Take that overdraft fees.

¹ A pay period is the time between your paychecks, such as weekly, biweekly, or monthly. EarnIn determines your daily and pay period limits (“Daily Max” and “Pay Period Max”) based on your income and financial risk factors as outlined in the Cash Out Maxes section of our Cash Out User Agreement. EarnIn reserves the right to adjust the Daily Max and Pay Period Max at its discretion. Your actual Daily Max will be displayed in your EarnIn account before each Cash Out.

EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1-2 business days. For faster transfers, you can choose the Lightning Speed option and pay a fee to receive funds within 30 minutes. Lightning Speed is not available in all states. Restrictions and terms apply; see the Lightning Speed Fee Table and Cash Out User Agreement for details and eligibility requirements. Tips are optional and do not affect the quality or availability of services.

² Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. Lightning Speed is not available in all states. Restrictions and terms apply. See the Lightning Speed Fee Table and Cash Out User Agreement for details.

³ Open a new EarnIn account and receive $10 as a welcome bonus. To receive the Bonus you must sign up via https://earnin.unionplus.org, set up Tip Jar and request a Cash-Out. The promotional bonus is only available to new customers who fulfill all specified actions. The bonus will be added to your Tip Jar within 48 hours of completing all required actions.

⁴ Tip Yourself Account funds and Tip Jars 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 deposit account. For more information/details visit Evolve Bank & Trust Customer Account Terms

The FDIC provides deposit insurance to protect your money in the event of a bank failure. More details about deposit insurance here.

⁵ Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Learn more.

⁶ Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. You can also enable automatic transfers ($100/day -subject to your available earnings- with a limit of $750/pay period), if your bank account balance falls below your set threshold. If your available earnings are insufficient to transfer the $100, the transfer will not be completed.You choose the speed of these automatic transfers. Standard speed is available at no cost and the transfer typically takes 1-2 business days. Lightning Speed is available for a fee [see Lightning Speed Fee Table] and the transfer typically takes less than 30 minutes. You will also have the option to set a tip for automatic transfers. Tips are optional and can be $0; however, if you choose to set a tip, it will be applied to each automatic transfer. Whether you tip, how much, and how often you tip does not impact the quality and availability of services. You can cancel the alerts and/or transfers at any time in your EarnIn account settings. See the Cash Out User Agreement for more details. While Balance Shield can help you avoid overdrafts, it does not guarantee protection from third-party fees, and its effectiveness depends on your usage and bank activity.

⁷ May not be available in all states and territories.

You worked today, get paid today

You worked today,
get paid today