Earnin App Review: Can It Be Trusted?

By J.R. Duren
HighYa Staff
Published on: Mar 5, 2018

What Is Earnin?

Earnin is a paycheck advance app that sends you money via a screenshot of your timesheet or through reports generated by timesheet software.

The company was formerly known as ActiveHours and was founded in 2012 by Ram Palaniappan, according to Earnin’s Crunchbase page. Palaniappan held executive and management positions at a payment processing firm and a software company previous to launching this app.

What’s unique about Earnin is that it departs from the typical payday lender in that the site doesn’t charge you fees and interest rates for your advances.

Rather, you pay what you want for each advance. Feel like being generous? Go ahead and tip 20%. In a jam and can’t afford to give them anything for your advance? No problem.

Is Earnin too good to be true? That’s what we were thinking when we did our initial research on the app. The results of our investigation are what you’ll read here.

By the end of this review, you’ll know how Earnin works, what its limitations are, how much payday lenders tend to cost, what actual users are saying and what the app’s general pros and cons are.

We’ll end the review with two or three sentences talking about who we think this app is good for.

How Earnin Works

To get a sense of how well Earnin works, we downloaded the app and used it to familiarize ourselves with the various features and options.

Once Earnin is up and running, there three main features you need to know about: Automagic Earnings, timesheets and Lightning Speed.

Automagic Earnings

This feature reminds us of the mileage tracking apps we’ve reviewed. Basically, you tell Earnin your work address. Whenever you drive to work, park your car and go inside, Earnin knows you’re at work and will start their own timesheet.


If you don’t use Earnin’s Automagic option, Earnin’s paycheck advance system is dependent on your timesheet. If they don’t have a record of hours, they won’t have any proof that you worked the hours you said you did.

The app does automatic uploads of timesheets from the following jobs/time-tracking sites:

  • Uber drivers
  • Brink
  • Tsheets
  • Nimble Schedule
  • UAttend
  • When I Work
  • Deputy
  • WebPunchClock

If you keep track of your hours via a Word or Excel doc, you won’t be eligible to get advances. Also, Earnin doesn’t accept printed out timesheets or work schedules.

Lightning Speed

This feature puts money in your bank account instantly once Earnin confirms your timesheet. Their website says that the feature works with most banks, although some process the deposits faster than others.

Two notable exceptions to Lightning Speed are Woodforest Bank (found at Walmart stores) and Fidelity Investments.

If you don’t have Lightning Speed, it will take one business day for your money to process.

What’s the Maximum Amount of Money You Can Deposit?

Now, as revolutionary as Earnin sounds, it has one major limitation. You start out with a maximum advance of $100.

So, if you have a timesheet that represents $2,000 worth of pay, you’re only going to get $100 of that when you first use the app.

The company’s website says that you can increase that maximum advance amount through a variety of ways that you can and can’t control.

For example, their FAQ section says that your max is based on, “your use of the app, your spending, your bank, and whether or not your employer works with us directly.”

They elaborate on the “your spending” by saying that they watch your account to see that your bank account balance is positive and that you spend less money than you make.

Earnin also points out you can increase your chances of getting a max increase by using their Balance Shield feature, which deposits $100 to your linked account when the account’s balance falls under $100.

Remember, though, you have to pay them back for the $100 Balance Shield sends to your account.

Earnin’s Fees and How They Compare to Other Payday Lenders

As we mentioned earlier, Earnin doesn’t charge you any fees or interest rates for the advances you get. Instead, they ask for tips. You can leave them as much or as little as you want.

However, Earnin is still a payday advance company. Instead of going to a seedy shop somewhere, you can do it all through the company’s app.

Here are some of the similarities between Earnin and your typical payday advance office:

  • Loan amounts are $500 or less
  • The money is due when your next paycheck arrives
  • You give the lender access to your checking account

In our guide to payday lenders, we point out that these businesses rely on something called “churn.” It’s what happens when you can’t pay the loan so it rolls over into another repayment period and the fees/interest grow.

This is where Earnin departs from traditional lenders; your loan balance doesn’t roll over. Earnin uses in-house metrics to determine how likely you are to pay back your loan and they take that into consideration when giving you money. They fully expect you to pay them back based on their analysis of your financial situation.

If they think your income and spending are too wild, then there’s a good chance you’ll only be able to get $50 per pay period, which is below the typical beginning amount of $100.

That being said, we need to talk about how your tips translate to APR.

For example, a traditional payday lender may charge you $20 to get a $100 advance. You get the money a week later and pay the fee and the $100 you borrowed. As a fee, that doesn’t seem like much even though it’s 20% of what you borrowed.

But, because APR is calculated over the course of 52 weeks, a $20 charge equates to an interest rate of more than 700%. Even if you drop that number down to a $5 tip for $100 borrowed, the APR is still above 200%.

So, while Earnin seems like they’re doing you a favor by allowing a pay-what-you-want scenario, even a $1 tip results in an APR of more than 50% on $100 borrowed.

For comparison’s sake, credit card APR’s range from 13% to 25%.

User Reviews of Earnin App

The app gets a 4.3-star rating from more than 16,000 reviews in the Google Play store.

At the time of publishing, more than 12,800 of those reviews were five stars, while 1,858 were one star.

In the iTunes store, more than 7,400 iOS users gave the app an average rating of 4.7 stars.

The Bottom Line


Based on our research, we think that Earnin is a fascinating app. The advantages are pretty clear. You don’t have to go to a payday lender; all you have to do is open the app on your phone.

You aren’t forced to pay APR’s and fees; you voluntarily leave a tip and, really, you don’t have to leave a tip at all.

Also, their Balance Shield tool is a great way to protect you from overdrawing your account.


The downside is that, while the app doesn’t charge fees, even the smallest tip – $1, for example – is, in terms of APR, still pretty high for borrowing $100 for a week.

Another downside is that you typically start out with a max advance of $100. You can make the argument that $100 is good because it teaches you not to overdraw. However, if you’re in a jam and need more than $100, you’ll have to look elsewhere.

Who It’s Good For

In our opinion, the app is a great fit for someone who is willing to use Earnin on a regular basis so they can increase their max amount.

We also think it’s great for people who usually go to payday lenders and would rather borrow money from their phone in the comfort of their own home.

Keep in mind, though, that Earnin is a temporary solution. The issue is that consumers who go to payday lenders are having cash-flow problems. Some of it has to do with how much they’re earning and some of it has to do with how much they spend.

If you find yourself living paycheck to paycheck and need some solid, simple advice, take a minute to read our guide to making a budget.

Through our research and personal experience, we’ve found that budgets are essential to keeping your spending under control and building a healthy financial life.

Read 11 Earnin App Customer Reviews and Complaints

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Average Customer Rating: 1.7
Rating Snapshot:
5 star: 1 4 star: 1 3 star: 0 2 star: 1 1 star:  8
Bottom Line: 18% would recommend it to a friend
Showing 1-11 of 11
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  • 1 out 4 people found this review helpful

    Never using again

    • Winchester, CA,
    • Jun 28, 2019
    • Verified Reviewer

    Couldn’t get a straight answer during chat with customer service and it took about 3 to 5 minutes, sometimes even longer for them to reply. Mind you, I work night shift so it was three in the morning there, couldn’t have been that many people they were servicing. Plus Estella was extremely rude and even ended the chat on me when I was just trying to get some answers. I don’t owe you guys anything, I just needed answers about disconnecting my bank from the app and deleting my account because I could not for some or whatever reason and she couldn’t give me a straight answer. She was extremely rude and condescending. I will no longer be using Earnin. I will delete my account as soon as I’m able to recover it. I couldn’t believe the crappy customer service.

    Bottom Line: No, I would not recommend this to a friend

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  • 0 out 1 people found this review helpful

    I haven't started and already it seems shady.

    • Miami, FL,
    • May 14, 2019
    • Verified Reviewer

    I haven't even used the service yet and already it doesn't seem like it's going to be a good fit. It calculated my pay date 1 day earlier than it's actually supposed to be, which makes me assume that the info is going to be calculated that my paydays are Thursday. My official payday is Friday and always has been. I tried the chat and got the same lame excuse that my bank processes paydays 1-2 days earlier. Now that may be the case but that's the exception, not the rule. I just don't know why they would want to set someone up to overdraft.

    Bottom Line: No, I would not recommend this to a friend

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  • 1 out 1 people found this review helpful

    Easy to use

    • Denver, CO,
    • Apr 11, 2019
    • Verified Reviewer

    This app is great! Just don’t get stuck always needing it or relying on it!

    Bottom Line: Yes, I would recommend this to a friend

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  • 7 out 10 people found this review helpful

    I'm no longer going to use Earnin

    • Feb 25, 2019
    • Verified Reviewer

    I had no issues with this app before. It was convenient and worked pretty fast. I had been using it for a couple of months, even referred my adult children to use it.

    Fast forward, I changed my bank account number and all types of issues arose. I wish I knew the names of the two young ladies who helped me before, they were the absolute best. Not today! Today this girl named Estella was condescending in her tone even by chat. I explained to her that it says I can only cash out $4. I make much more than $4 a day. She says then how come your deposit is so low. I explained that I use another bank that apparently they don't partner with so the majority of my check goes there and only a $100 goes into this account every two weeks. Never been a problem. She says it's a problem now. But her answers seemed like she was copying and pasting them. She failed to listen and just kept repeating herself.

    Finally I got frustrated and asked for a supervisor. A man named John Q (which seemed like a fake name if you ask me) entered the chat and basically copy and pasted the same answers. I said I never had an issue before, he says well your account was set up wrong. You mean to tell me after months of using it now my account was set up wrong? Then he proceeds to tell me to deposit over 50% of my check into this bank and then I can cash out again. Are you kidding me? You can't tell me where to put my money. My money is split into two different accounts for bill reasons. He just kept saying this is policy. I tried to reason with him telling him I never had an issue before and he kept saying well sorry but this is how it is now.

    I was more than frustrated and disappointed and even told the people I referred to delete the app, it's not worth the headache.

    Bottom Line: No, I would not recommend this to a friend

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  • 6 out 8 people found this review helpful

    This is a scam

    • Provo, UT,
    • Feb 19, 2019
    • Verified Reviewer

    They will draft your payments one day before your paydate overdrafting your account. You won't find out because when you click on paydates they have the correct info, but one day before your payday you're slapped with an overdraft fee on your account.

    They also don't have an 800 number so reaching them is a nightmare. It's through email and every email is like starting over and over again.

    Bottom Line: No, I would not recommend this to a friend

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  • 8 out 9 people found this review helpful

    They are absolutely terrible

    • Evansville, IN,
    • Jan 10, 2019
    • Verified Reviewer

    They took more money from my account than what I cashed out and caused an overdraft fee. They are a scam, they have told me for weeks to contact technical support through email and refuse to email me back. They promised to leave my account as is until the issue was resolved and they lied to me. They are thieves and will gladly take more money than what they gave you, knowing very well that there is 0% interest rate and it's 100% free to use. They owe me $28 and refuse to pay it back.

    Bottom Line: No, I would not recommend this to a friend

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  • 12 out 15 people found this review helpful

    Did not get any money

    • New York,
    • Dec 6, 2018
    • Verified Reviewer

    The Earnin app kept my money and refused to answer emails. They lied about everything and still have not resolved my issue. They are horrible. They will not answer an email and will not help.

    Bottom Line: No, I would not recommend this to a friend

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  • 4 out 13 people found this review helpful

    App is awesome!

    • Virginia,
    • Sep 28, 2018
    • Verified Reviewer

    The only time I have had minor issues is when I changed jobs when they tried to withdraw the money and it wasn’t there, and you have to send an email to customer service explaining your situation. It could take up to a couple of weeks to get everything verified when switching jobs because, of course, you have to work and they have to track that hence the app. But now that I am at a stable job and working consistently, this app has been great and helps me when I need it. And you don’t even have to tip or pay a fee if you don’t want to. And that’s why I have no complaints, if you have to complain about not being able to borrow money then you probably don’t need it. The app is very simple and easy to navigate. I would definitely recommend.

    Bottom Line: Yes, I would recommend this to a friend

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  • 29 out 33 people found this review helpful

    This app is the biggest headache

    • Raleigh, NC,
    • Sep 12, 2018
    • Verified Reviewer

    I signed up for this app thinking it would provide relief to help pay bills and make my in-between paycheck days less stressful. I was so wrong. This app has only added to the stress, and their customer service ticket system is a complete joke. They’ve copped out of accepting accountability and actually answering questions about your specific situations by not offering a phone number to talk to a live person.

    I started this app with a max of $150. Every time it was time for them to draft my account to be paid back for their loan it was never an issue. I was never over-drafted and my check which has always been five times the max they allotted me, was always posted when they were ready to draft (so there was never an issue of not having enough funds to cover repayment of the loan). Yet every time I tried to go back and cash out again, there was always a message saying they were waiting on my bank to send updated transactions and it should take only a day. Two days later I’m still waiting to cash out.

    Earnin has their money but I can’t cash out again, so of course, I’m extremely annoyed. I go through their ticket process to get help since again they don’t have a phone number. It takes at least 4-5 hours, sometimes a day, to ever hear back from anyone. When I finally heard back I was told to send a screenshot of my paycheck hitting my account and Earnin taking their debit to speed up the process, since apparently, my bank was taking too long to send it to them.

    So I sent the screenshot, and wait another 8 hours without hearing from anyone, so I reach out again and only get a response after the issue had already resolved itself. So since then, I’ve been stuck in the same cycle of having them draft my account but dragging their butt to update their app so I can cash out again. To try and be prepared, I will send them a screenshot of my account as soon as it drafts to hopefully speed up the process, but no, I have to go through this same song and dance every freaking week.

    To add insult to injury, they decreased my max by $50 with absolutely no explanation. Per the app's FAQ, if you use the app regularly, keep your bank account info updated, tip, and don’t go negative, your amount should increase. I had already been doing all of that so I didn’t understand why my max would decrease not increase. So I go through the perils of submitting another ticket through the app, and after waiting hours between each response, all I get is person after person, copying and pasting the same generic FAQ answers I already read; they didn’t answer or address my concern satisfactorily at all.

    So to me, even though I’m tipping and using this app regularly, I was decreased with no explanation. The app is a headache and there is zero accountability for their errors. I am currently again waiting to cash out three days after they took their money from my paycheck, and I’ve had a ticket submitted for over 24 hours and have heard nothing from anyone.

    Do NOT use this app! Save yourself the headache.

    Bottom Line: No, I would not recommend this to a friend

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  • 21 out 26 people found this review helpful

    Monkeys working for them

    • Lake Forest, CA,
    • Aug 16, 2018
    • Verified Reviewer

    Their customer service is really a joke. I reached out to "support" explaining that somehow, some way their system is still linking my bank info from my "closed" account which is not preventing me to open a "new" account. Their team's response was, "oh you have two accounts linked to that bank, maybe you want to remember and use your original one." WOW! Mind blown...this is support?

    I went back and forth over two months and their team kept emailing to delete and redownload my app then reset password. Over and over again, which I had to wait 24 hours for every nonsense response. After asking their team to force close my account as I couldn’t log in to close it myself, they responded with "please log in and click on the help icon to cancel your account." OMG!

    I am at this point going to make it a point to tell everyone what a joke this app is. My account is still active with no resolution, which by the way I don't trust their services anymore and why I want all my information deleted and account closed. I'm contacting the Better Business Bureau.

    Bottom Line: No, I would not recommend this to a friend

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  • 19 out 28 people found this review helpful

    Bad customer service

    • Georgia,
    • Jun 26, 2018
    • Verified Reviewer

    I have reached out to customer service and they take forever to respond. They said they corrected the issue and another one arose. It says it can find my last deposit to contact customer service...again. Now I’m waiting for them to respond...again. So frustrating. The first time I used it, it worked easily and quickly.

    Bottom Line: No, I would not recommend this to a friend

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    • Oct 5, 2018

      Company Response from Activehours, Inc.


      We sincerely apologize for the troubles you've had, and we'd like to improve your experience moving forward. We sent you a support message (#1502720) to discuss this further, please check for our response.



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