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Is a Cash Out Auto Refinance Right for Me?

May 25, 2021

A cash out auto refinance works similarly to refinancing a home if you need extra money, but it comes with risks.

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5 Home Cash Out Refinance Rules to Know

May 18, 2021

Home cash-out refinance rules to be aware of include needing to meet certain requirements and not taking out more than 80% of your home’s equity.

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How Much Should My Emergency Fund Amount Be?

May 11, 2021

When determining an emergency fund amount to save up for, save at least three to six months living expenses and consider how at-risk you are.

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5 Reasons You Should Use An App to Save Money

May 4, 2021

Using an app to save money helps hold you accountable, allows you to track your progress, and provides you a comprehensive view of your finances.

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8 Tips for Budgeting When You Earn an Hourly Paycheck

April 27, 2021

If you earn an hourly paycheck, you can budget by knowing your average monthly income, tax rate, expenses, and how your pay cycle.

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10 Kinds of Weekly Pay Jobs For a More Frequent Pay Schedule

April 20, 2021

Weekly pay jobs include rideshare drivers, transcriptionists, construction workers, tutors, and others that pay four to five times per month.

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7 Benefits of Using a Personal Finance Management App

April 13, 2021

The benefits of using a personal finance management app include easier access to banking, sticking to a budget, and avoiding overdraft fees.

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How Much of Your Paycheck Goes to Taxes, and Why?

April 6, 2021

How much of your paycheck goes to taxes depends on multiple factors, including your income, state, filing status, and more.

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What You Need to Know About the Paycheck Protection Program

March 16, 2021

The Paycheck Protection Program is an SBA-backed loan program that helps small businesses pay their employees during the COVID-19 pandemic.

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Biweekly Pay Schedule: How Does it Compare?

March 11, 2021

A biweekly pay schedule means more frequent access to your income and affects your monthly budget differently than other kinds of pay cycles.

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How Much of Your Paycheck Should You Save, and Why?

March 2, 2021

If you don’t know how much of your paycheck you should save, start with at least 20%, and adjust depending on your income and financial goals.

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Your Paycheck After Taxes: 7 Ways to Stretch It

February 23, 2021

Ways to stretch your paycheck after taxes include sharing costs with others, adjusting your withholdings, and claiming unique deductions.

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How Many Americans Live Paycheck to Paycheck, and What Can They Do to Get By?

February 16, 2021

How Many Americans Live Paycheck to Paycheck: Over half the US population lacks enough money to save after bills, but there are ways they can get by.

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8 Expenses to Factor Into Your Home Budget

February 2, 2021

You already know to include rent, utilities, and debt repayment into your home budget, but remember to factor in savings, fees, pet care, and more.

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How to Stay Calm When Dealing With Financial Stress

January 26, 2021

To deal with financial stress, it’s important to identify the source of your problems, talk to a professional, and practice healthy coping mechanisms.

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7 of the Most Practical Ways to Save Money

January 19, 2021

Besides spending less on unnecessary purchases, you can save money by negotiating lower rates with your creditors, snowballing debt, and more.

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Can You Overdraft a Credit Card, Debit Card, or Savings Account

January 14, 2021

It’s possible to overdraft a debit card and checking account, but you cannot overdraft a credit card or savings account in the same way.

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What is a Returned Item Fee and Why Was I Charged?

January 12, 2021

Your bank charges you a returned item fee, also called an NSF fee, when returning your money to you because you tried to transact with nonsufficient funds.

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Did You Overdraw Your Account? Here's What to Do

January 7, 2021

If you overdraw your checking account, you should replenish your funds, enable low-balance alerts, and use other strategies to avoid it in the future.

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Cash Out Refinance: How to Know if it's Time

January 5, 2021

Cash-out refinancing is when you take out a larger mortgage and use the difference to pay for other expenses, but there are pros and cons to consider.

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6 Tips for Gifting Money to Family Members

December 17, 2020

The etiquette surrounding gifting money to family members is unclear, so remember to be considerate, give according to your means, and make it personal.

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How to Fix and Repair Your Credit: A Detailed Guide

December 15, 2020

A step-by-step process to repair your credit score.

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Weekly, Monthly & More: How Your Pay Schedule Affects You

December 10, 2020

Monthly, bi-monthly, bi-weekly, and weekly pay schedules determine when employees get paid, so it’s important to know how yours affects your budget.

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5 Things to Do if You Have a Negative Credit Card Balance

December 3, 2020

A negative credit card balance means your credit issuer owes you money, which is not to be confused with having a negative bank account.

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An Introduction to NSF Fees: Why Were You Charged?

December 1, 2020

NSF fees are fees your bank charges you when you attempt to make a purchase with nonsufficient funds in your account.

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About Earnin

Earnin is an app that gives you access to the pay you've earned - when you want it.

categories Payday rebellion Fees Debt negotiation Financial tips Emergencies Bank fees Pay what you want Bills Emergency funds Community Restrictions and/or third party fees may apply. See our Terms of Service for more details.

1Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see earnin.com/TOS for details.

2Disclaimer: Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit earnin.com/TOS.

3NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

4Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit earnin.com/TOS.

5Source: Internal analysis conducted by Earnin on December 10, 2020.

1Restrictions on use of Services and/or third party fees may apply, see earnin.com/ privacyandterms for details.

2Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit earnin.com/privacyandterms.

3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee service. Other restrictions and/or third party fees may apply, see earnin.com/privacyandterms for details.

1Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see earnin.com/TOS for details.

2Restrictions and/or third party fees may apply, see earnin.com/TOS for details.

3Balance Shield cash out is subject to your available earnings and your daily pay period max. Other restrictions and/or third party fees may apply, see earnin.com/TOS for details.

4NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit WeWin Game & Sweepstakes Official Rules. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

5Tip 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. For more information/details visit earnin.com/tos.

6Up to two days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express, visit earnin.com/tos.

7Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is less. The 80% is dependent on you routing your full paycheck to Earnin Express. For more information on eligibility and requirements of Earnin Express, visit earnin.com/TOS.

8Learn how we collect and use your information by visiting our Privacy Policy.

1Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/tos for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

2Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see earnin.com/TOS for details

3Disclaimer: Community Member must have had at least 1 successful debit with Earnin. Limit to 1 Max Boost per pay period. A boost will not adjust a Community member's daily max. Restrictions may apply, see earnin.com/tos for more details

*Disclaimer: Balance Shield Cash Out is subject to your available earnings and daily pay period max.Other restrictions and/or thirdparty fees may apply. For more information visit earnin.com/tos

1Restrictions may apply, see earnin.com/tos for more details. 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. For more information/details visit earnin.com/tos

2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

3Disclaimer: Restrictions Apply. See earnin.com/wewin/pool-rules/ for more information

*Disclaimer: Up to 2 days early is based on comparison with traditional banks. Exact timing is dependent on your employer's payroll policies. For more information on eligibility and requirements of Earnin Express, visit earnin.com/TOS.

**Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/tos for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

*Survey conducted in February 2020 with 889 participants.

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