Earned Wage Access. And so much more.

Make every day payday and improve employee financial well-being, productivity, and retention.¹

Trusted by 3.8M+ employees accessing over $15 billion in earnings

Empower your employees to thrive –
at zero cost.

From accessing their pay right as they earn it to empowering employees to thrive, we offer a wealth of benefits your people will love:

Same-day pay to access earned wages
Balance Shield to help monitor your account balance²
Money saving tool to reach financial goals³
Special offers and discounts – just because they work for you
EWA industry’s first and only free credit monitoring to help build financial well-being

Employees can enjoy all these great benefits without any mandatory costs, hidden fees or interest rates - and at no cost you.

Boost performance,
bust financial stress with EarnIn:

75%

say EarnIn has helped reduce unplanned absences.⁴

87%

say EarnIn has increased their motivation at work knowing they can get paid before payday.⁴

65%

say EarnIn has helped increase their focus and reduce financial stress.⁴

Up your recruiting game

Keep employees happy and productive

Retain employees longer

Up your recruiting game

Keep employees happy and productive

Retain employees longer

An employee benefit that sets you apart

With people regularly borrowing from loved ones, or using payday loans, offering pay-time flexibility and free credit monitoring as a standard benefit demonstrates your commitment to your employees' financial well-being.

76%

of financially stressed employees are attracted to another company that they feel cares about their financial wellbeing.⁵

“We reviewed several EWA solutions, but EarnIn’s was the easiest to deploy as there was zero integration required with our payroll services, and some associates were already using the Earnin app regularly for more flexibility in accessing their paychecks.”

- Shawn Handrahan, CEO, Valet Living

Happy employees are good for business

Employees that feel supported are happier, more focused, and more productive, enhancing business efficiency.

Financially stressed employees are 7x more likely to miss work and 76% of employees with financial stress experience productivity loss at work3. US companies lose 11.4 hours per week per employee and $4B+ per week in productivity due to the impacts of financial stress⁴.

It doesn't have to be this way.

88%

of employees expect employers to give them financial tools and resources.⁵

“EarnIn helps me to do what I need to do to get where I’m going. If I have an unexpected expense, EarnIn’s there to help.”

- Angela Torres, Community Member

Employee retention is more important than ever

Your employees are your most valuable asset and today's workforce expects their employers to support their financial goals.

We help empower your people to take charge of their finances so they can spend less time worrying and more time applying their skills at work.

96%

of surveyed employees say that EWA improves their sense of financial security.⁶

“I feel like EarnIn is looking out for you. Not only are they helping you make ends meet, they’re also helping long-term so that you’re not staying in debt. This thing saved my wedding!”

- Daniella Majeika, Community Member

Why work with us

Zero technical integration Unlike other vendors, we don’t require any technical integrations, upgrades or ongoing IT maintenance so you can get going in as few as 10 days.

Zero-touch, zero-cost, zero-risk operations EarnIn doesn’t require any funding or changes to your business operations. It’s a voluntary benefit and we fund 100% of the cash. You have nothing to lose.

Secure, confidential, compliant Privacy and security are our top priorities. We securely connect to employee bank accounts and are compliant with laws across all 50 states. We never sell personal or employment information.

Unique employee benefits – at no cost to you Your employees can enjoy special discounts and unique benefits just because they work for you. And the more employees sign up, the bigger the benefits to them – and to you.

We’ve got your back

Dedicated support Your dedicated partner success manager will help you measure the impact of your program and provide ongoing support for future promotions. All employee support is handled directly through EarnIn — no additional support from your team is needed.

Actionable insights We’ll provide actionable insights based on aggregate usage and anonymous survey data so we can improve your program together.

Turnkey program We provide everything you need to launch and promote your EarnIn program, including customized marketing materials for your employees and internal communications channels.

As seen on

“We had taken a look at several companies and EarnIn was the only one that didn't require an integration with payroll or our scheduling system. EarnIn was by far the easiest company to implement.”
- Deanna Keppel, VP of Support Services, Assisting Hands

It's easy to get started:

01

When employees add their bank and employment info, we verify their paycheck.
02

They can transfer up to $150/day [up to $750/pay period] to their linked bank.¹
03

Your employees have an option to tip (if they like).
04

Any earnings you used (plus tips) get debited when your paycheck hits.
05

They can even monitor their credit score and view weekly changes to their credit for free.⁶

*Actual amount may vary and build over time depending on member’s EarnIn account history, pay amount and other risk-based factors. At the time of signup, their starting amount will be lower, but over time they may become eligible for a higher limit of up to $150/day or up to $750/pay period based on the above-mentioned factors. Their available amount will be displayed within the EarnIn mobile app and may change at any time, at EarnIn’s discretion.

01

When employees add their bank and employment info, we verify their paycheck.

02

They can transfer up to $100/day [up to $750/pay period] to their linked bank¹

03

Your employees have an option to tip (if they like).

04

Any earnings they transfer (plus tips) get debited on or after their next payday.

05

They can even monitor their credit score and view weekly changes to their credit for free.⁶

*Actual amount may vary and build over time depending on member’s EarnIn account history, pay amount and other risk-based factors. At the time of signup, their starting amount will be lower, but over time they may become eligible for a higher limit of up to $100/day or up to $750/pay period based on the above-mentioned factors. Their available amount will be displayed within the EarnIn mobile app and may change at any time, at EarnIn’s discretion.

Schedule a Demo

See how you can make EWA part of your competitive advantage today.

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For more information, please visit Privacy Policy.

Frequently asked questions

What is Earned Wage Access (EWA)?

Are you a loan?

Who can use EarnIn?

How much does it cost?

Do employees need a bank account?

Is EarnIn really zero integration with payroll or time and attendance?

Is there a limit on the frequency of how often an employee can cash out?

What if someone has any problems with the app?

How can employees get access to EarnIn Credit Monitoring?

Activehours, Inc. NMLS #2535570

EarnIn US1 LLC NMLS #2567882

Most licenses can be verified at:

https://nmlsconsumeraccess.org

EarnIn is a financial technology company not a bank. Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. EarnIn does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. EarnIn services may not be available in all states. For more info visit earnin.com/TOS.

¹Your actual Daily Max will be shown to you in the EarnIn app and is subject to your available earnings and Pay Period Max. The $150 Daily Max may not be available in all locations. Other restrictions may apply. For details See FAQ and Cash Out User Agreement.

²Balance Shield cash out is subject to your available earnings, Daily Max and Pay Period Max. Other restrictions and/or third-party fees may apply. For more information visit EarnIn.com/TOS.

³Tip 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 and details, visit EarnIn.com/evolve-bank-and-trust

⁴Survey conducted in February 2020 with 889 participants

⁵PwC, 2022 Employee Financial Wellness Survey

⁶Calculated on the VantageScore 3.0 model. 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: https://www.experian.com/assets/consumer-information/product-sheets/vantagescore-3.pdf