Reimagining the way money moves

As one of the first pioneers of Earned Wage Access, our mission at EarnIn is to reimagine the way money moves to empower every person’s potential.

We’re building a first-of-its-kind hub of financial¹ life powered by streamed access to earnings, which allows our community members to spend and save on their own terms.²

EarnIn is partnering with ForgiveCo to abolish $10 million in debt

Our impact

About 50% of EarnIn customers can now afford a $400 emergency when previously they could not.³

82% of Earned Wage Access customers feel less stressed about their financial situations.⁴

75% of EarnIn customers reported an increase in work attendance due to less unplanned absences.⁵

Source: Internal EarnIn analysis, January 2021

We are advocates of Earned Wage Access (EWA)

We advocate for EWA because we believe people should have access to their pay as they earn it — no matter the size of the company. We are committed to working constructively with state and federal regulators and believe new regulations should:

Bring clarity to the EWA space

Protect consumers’ interests

Ensure all EWA providers play by the same rules

Serve companies both large and small

Access when members need it most

EarnIn helps members have more financial peace of mind by giving them control of their money starting from when they earn it.

What people use EarnIn for

Gas

Groceries
or Food

Groceries or Food

Avoiding Overdrafts

Utility Bills

Emergency

Rent

Source: Internal analysis conducted by Earnin in January 2021, represents total users who Cashed Out at least once from January 1 to December 31, 2020

EarnIn all across America

App openings today

Average daily opens as of Dec 2022

We don’t charge mandatory fees - period⁶

Instead, members can use our products without charge and tip what they want. Tipping is entirely voluntary — it’s just an option for members who want to show their support.

Even if Community Members never tip, it will never impact their access to earnings.

The average tip is less than an out-of-network ATM fee.⁷

57% of earnings transferred out included a tip, 43% did not.⁸

EWA boosts financial resilience.

EarnIn partnered with FTI Consulting in a study on the impact of on-demand pay. We found that immediate access to earned wages frees people from making crippling financial decisions and helps families escape debt.

View our Infographic to learn more.

Tackling financial obstacles, financial ethics, and more

Our community is stronger together.

See how EarnIn is partnering with our members and the community at large to create change.

View our COVID-19 study project here.