EarnIn press center
We’re rewriting the script on financial well-being.
Have media inquiries? Contact us directly at press@earnin.com
Founder's story
EarnIn was born in 2013 from the idea that everyone should be able to access their earnings as they work, not weeks later.
While leading his previous company, Ram Palaniappan, EarnIn's founder and CEO, learned of an employee who needed an advance on her paycheck. He sought to give her early access to her pay, and soon gave the same to more employees. But he realized there had to be a more permanent solution — for everyone.
We've been working hard to make money work at the speed of life ever since.
EarnIn CEO Ram Palaniappan: How We Started
News
October 10, 2024
EarnIn's 'Balance Shield' Helps Customers Protect Their Bank Balance Regardless of Where They Bank, Enabling Working Americans to Avoid the Surprise of Overdraft Fees
EarnIn, a pioneer in on-demand pay, announced enhanced features of its Balance Shield product, which helps customers avoid the surprise of overdraft fees and late fees on bills. With new customizable low balance alerts and transfers, Balance Shield can help customers feel more secure and confident in managing their day-to-day bank balances
September 19, 2024
EarnIn Brings On Tech Industry Veteran to Lead B2B Team
EarnIn, a pioneer in on-demand pay, announced today the company’s latest appointment of Penelope Talbot-Kelly as its General Manager of B2B sales and solutions. Talbot-Kelly will lead the B2B team in partner acquisition, client management, and partnerships across the country. Her team will focus on supporting employers by addressing the issue of employee financial stress by offering financial wellness solutions.
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August 6, 2024
EarnIn launches $2.99 price point for Expedited Earned Wage Access (EWA) Transfers
EarnIn, a pioneer in Earned Wage Access (EWA), or on-demand pay, announced today the launch of $2.99 expedited transfers (also known as Lightning Speed), becoming a leader in low-cost EWA. EarnIn’s new low-cost transfer solution can be available to any US worker with a consistent paycheck. Customers simply need to download the EarnIn app, and forward a qualifying Direct Deposit1 through a virtual account with our partner bank2
June 3, 2024
EarnIn, a pioneer in on-demand pay, announced that the company relieved over $10.6 million in consumer debt through a partnership with ForgiveCo. (53 kB)
EarnIn, a pioneer in on-demand pay, announced that the company relieved over $10.6 million in consumer debt through a partnership with ForgiveCo.
November 7, 2023
EarnIn Alleviates $2.7 Million Dollars of Medical Debt for Clark County Residents in Nevada, Bringing their Total Medical Debt Abolishment to $22 Million for the Year
April 4, 2023
The universal insight of solving for financial anxiety is it’s incredibly relatable
EarnIn CMO, Britt Williams, is a featured guest on the Tearsheet podcast with Host Zack Miller. They discuss EarnIn’s 2023 rebrand, the customer research that went into the new brand, what it showed about Americans living paycheck to paycheck and more.
March 14, 2023
EarnIn’s CEO, Ram Palaniappan In Forbes: Setting Realistic Financial Goals With Earned Wage Access
EarnIn CEO, Ram Palaniappan shares his thoughts on setting realistic financial goals and sticking to them with the Forbes Finance Council. Ram’s thoughts are Tip #1 on why earned wage access is a great way to stay on top of bills, avoid late fees and overdrafts, and save more.
January 5, 2023
American Banker: Earnin says its version of early wage access helps people earn more
Earnin CEO Ram Palaniappan spoke with American Bank’s Penny Crosman about Earnin’s standout 2022 and outlook for the coming year in earned wage access in her article “Earnin says its version of early wage access helps people earn more.” Penny also featured Earnin customer, Robin Brookens, for a true-to-life account of her experience with Earnin.
January 5, 2023
Earnin Announces It Has Provided Access to Over $15 Billion in Earnings for Members
After reaching $15 billion in earnings provided, Earnin celebrates several company milestones to round out 2022 including new hires, continued product development and customer service.
October 22, 2022
American Banker: JPMorgan Chase offers faster paychecks to battle inflation
John Adams recently published an article for American Banker about companies offering faster paychecks to battle inflation. This piece mentioned EarnIn as a fintech offering EWA and changing direct deposit in a meaningful way.
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October 19, 2022
TheStreet: Money Jitters Mounting Among US Adults
EarnIn CEO Ram Palaniappan discusses how consumers can use earned wage access to combat financial anxiety in today’s market.
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September 20, 2022
Global Banking & Finance Review: How Employers Can Embrace Fintech for Financial Wellbeing
Written by Earnin Founder and CEO, Ram Palaniappan, he discusses in the article, “employees need to feel empowered, and one way to do so is to provide them access to their earnings as it’s earned, removing the hurdles of cash flow timing from standard payment cycles.”
August 4, 2022
UNLEASH: The biggest payroll problems your company can face – and their solutions
Daniel Richardson, a senior journalist for UNLEASH, recently published an article detailing how organizations can counter common payroll mistakes and frustrations, including commentary on the benefits of providing access to earned wages by Earnin CEO Ram Palaniappan
March 29, 2022
Mindful Businesses Podcast #100: Earnin - Your Money When You Want It
In the podcast, Ram touches upon financial inequality, Earnin’s suite of financial tools, and answers the question, “How can Earnin’s tip-based business model be profitable?”
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February 23, 2022
Earnin Founder, Ram Palaniappan, Featured On The Wharton Fintech Podcast
The podcast touches on a variety of topics including earned wage access, Earnin’s origin story and mission, the future of fintech, cryptocurrency, and much more.
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August 21, 2021
CardRates.com: The Earnin App Pays Employees Upfront for Earned Wages to Help Them Avoid Late Fees and Credit Card Debt
Even well-compensated employees occasionally struggle to make ends meet while waiting for their paychecks. The Earnin app changes that dynamic by paying people the wages they’ve already earned before their scheduled payday.
July 23, 2021
SF Business Times Ranks Earnin Among Bay Area’s Largest Fintech Companies for 2021
Ranked by Bay Area employees, the List includes financial technology companies with offices in the Greater Bay Area.
March 9, 2021
Forbes: Earnin Named to America’s Best Startup Employers List for 2021
Forbes partnered with market research company Statista to identify the up-and-coming companies liked best by their employees in our ranking of America’s best startup employers
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February 4, 2021
Fintech Nexus News: Regulators Take an Interest in Earned Wage Access
Millions of consumers rely on earned wage access on a regular basis. If it was legislated out of existence it would have severe negative effects on people who are already struggling to get by.
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January 4, 2021
CNBC: Here’s how long the $600 stimulus checks will last for Americans living paycheck to paycheck
Using data from over a million app users, Earnin analyzed how long it will take for bank account balances to return to the average amount they were prior to the federal payments hitting the account.
November 6, 2020
BadCredit.org: Earnin Combats Expensive Payday Loans by Providing No-Interest Advances on Upcoming Paychecks
Earnin not only steers people away from payday loans, but it also helps people develop healthy saving habits and reduce medical debt.
May 18, 2020
Fox News: New online tool providing easy access to community resources during COVID-19 pandemic
Financial company Earnin is connecting service providers to neighbors in need; Earnin CEO Ram Palaniappan, plumber Richard Nielsen and customer Anila Jetaan join 'Fox & Friends.'
May 16, 2020
ABC News: Cash advance apps like … Earnin see use surge amid COVID-19
The main attraction for using payday advance apps is quick cash
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April 14, 2020
Nerd Wallet’s Sean Pyles in the AP – Millennial Money: A Q&A to build your financial resilience
A few months ago you may not have thought much about strategies for managing credit balances or how much of an emergency fund you really need. But with finances strained by the coronavirus pandemic, making smart money decisions is crucial
March 31, 2020
Business Insider: 4 startups that have collectively raised $300 million explain how the coronavirus is a 'watershed moment' for instant paycheck cashouts
Demand for same-day pay is exploding amid record joblessness. Here are 4 startups that could be on the forefront of a payday revolution.
March 19, 2020
Forbes: Fintech App Says Coronavirus Has Caused 30% Drop In Hours Worked
The coronavirus is already causing a sharp drop in the number of hours people are working in places like Washington, D.C., and New York State. New data from Earnin, a personal finance app with millions of users that helps people access their already-earned wages immediately after they leave work each day, gives an early indication into the economic impact of the pandemic.
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March 10, 2020
Forbes: Earnin Ranked on America’s Best Startup Employers 2020
Forbes partnered with market research company Statista to identify the up-and-coming companies liked best by their employees in our inaugural ranking of America’s best startup employers.
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February 4, 2019
Earnin Listed in Forbes’ Fintech 50
Forbes compiles their list of the most innovative fintech companies in 2019.
December 20, 2018
Techcrunch: Earnin raises $125M to help workers track and cash out wages in real time
Before Ram Palaniappan founded Earnin, he developed a system for employees at a payments company called UniRush, where he spent eight years as president. If you needed money before payday, he would write you a check from his checking account and when payday rolled around, employees would reimburse him.
December 17, 2018
FIRSTCOASTNEWS: Verify: Can payday be every day with new 'Earnin' app?
Wouldn't it be nice to have Christmas money now from the paycheck you'll get next week? A new app claims to do exactly that.
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December 5, 2018
Cheddar News: Earnin Wants to Put End to Two-Week Pay Cycle
Fintech start-up Earnin is looking to put an end to the two-week pay cycle, and put money into workers pockets at a faster rate. The company's CEO, Ram Palaniappan, explains his strategy for reinventing how employees get paid.
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October 18, 2018
Forbes: How One Founder Is Joining Workers In The Fight For Financial Equality
The current system is broken for those who most need it to work, but Earnin is one of the few companies trying to do something about it.
June 8, 2018
Earnin Among Top 50 Largest Financial Tech Companies in the Bay Area
SF Business Times Ranks the Top Financial Tech Companies by Bay Area Employee Count
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Announcements
June 3, 2024
Best Loans Apps Of June 2024
There’s no shortage of cash advance apps for borrowers who need quick access to funds or automatic overdraft protection. But while many cash advance apps and money loaning apps offer fee-free services, others charge monthly fees and tips that can translate into extremely high annual percentage rates
December 6, 2023
EarnIn is a winner in Inc. Magazine's Best In Business Awards in the Economic/Financial Equity category
The Best in Business list honors companies that put purpose above, or alongside, profit. This award recognizes the work EarnIn does to enable financial momentum for our customers.
October 13, 2023
EarnIn Continues to Abolish $22 Million in Medical Debt; Currently Alleviating $5.4 Million for Maricopa County Residents in Arizona
EarnIn, a pioneer in Earned Wage Access (EWA), announced today that they have abolished $22 million in medical debt, now alleviating $5.4 million for people living in Maricopa County, Arizona, home to Phoenix, which holds the fifth largest amount of medical debt in the country.
September 19, 2023
EarnIn Abolishes $22 Million in Medical Debt
The Earned Wage Access (EWA) pioneer abolished medical debt as part of a national relief effort in partnership with RIP Medical Debt, first targeting $13.9 million for Bexar County Residents
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June 21, 2023
EarnIn Launches Free Credit Monitoring
EarnIn is now the first EWA provider to offer free credit monitoring. The offering provides community members with options and access to products that ease their financial anxiety.
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June 2, 2023
EarnIn Wins Tearsheet's Power of Payments Awards for Best Payments App
EarnIn has won Tearsheet's Power of Payments Awards for Best Payments App. EarnIn was recognized for its work addressing the way money moves by streaming access to earnings, allowing community members to spend and save on their own terms.
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February 13, 2023
EarnIn Expands Legal Team with Industry Veterans
EarnIn announced the continued expansion of the firm’s legal team. Led by David Durant, Nicole Miller and Diana Bergano join as Associate General Counsel and Senior Legal Counsel respectively.
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January 24, 2023
Earned Wage Access Pioneer EarnIn Announces Strategic Brand Identity
EarnIn launches an energetic new brand designed to reflect the ambition of their customers. Rebranded from “Earnin” to “EarnIn”, the company’s brand name empowers customers to be “all In” for money that moves at the speed of life.
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December 7, 2022
Earnin Strengthens Team with Heavy Hitting Legal Lineup
Earnin has announced the appointment of David Durant and Simone dos Santos as General Counsel and Associate General Counsel, respectively. In his role, Durant will oversee all aspects of Earnin’s legal, regulatory, and government relations matters, with dos Santos serving as his chief deputy.
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November 21, 2022
EarnIn Continues Executive Expansion with New CISO
EarnIn welcomes Stan Lee as its first Chief Information Security Officer (CISO). With a focus on consumer protection, Lee will architect security solutions that effectively manage growing cybersecurity and mobile risks, further strengthening EarnIn’s mission of providing consumers more choices to balance their finances and take control of their money, starting when they earn it.
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October 12, 2022
EarnIn Awarded Top Honors in Globee’s® 10th Annual CEO World Awards
EarnIn, the leader in building products for a more equitable financial system and a better life for those living paycheck to paycheck, today announced that it has been awarded Gold in the 2022 Globee® CEO World Awards for Company of the Year - Fintech. Ram Palaniappan, founder and CEO of EarnIn, has also been awarded Gold for CEO of the Year - Fintech.
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September 19, 2022
Earnin Joins the Financial Health Network
Earnin has announced that it is now a Member of the Financial Health Network, joining leading-edge financial services, financial technology, and other providers committed to improving financial health for all.
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September 7, 2022
Earnin Attracts Top Talent with New Head of Research
Earnin welcomes Angela Hung as its new Head of Research at Earnin. Bringing more than15 years of financial and behavioral research experience from RAND Corporation and Robinhood, Angela leads the Earnin research team supporting our customer-first approach to offer financial wellness products that empower our members.
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April 27, 2022
Earnin Hires Amazon Alums for Chief Product Officer, VP of People Roles
Yair Rivlin and Anne Marie DePaul Haddock Joining Leadership Team With Over 22 Years of Combined Experience at Amazon
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January 18, 2022
Valet Living Selects Earnin to Offer Financial Wellness Benefits to More Than 8,000 Associates
The nationwide leader in multifamily amenity services provides early wage access (EWA) as part of Earnin’s B2B program.
January 11, 2022
Earnin Names Ofer Shaked Chief Technology Officer
Data Analysis Expert Joins Executive Team to Bolster Product Growth and Optimization
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November 9, 2021
Earnin Partners With Windsor To Provide EWA Benefits
The large healthcare organization is the latest to join Earnin’s growing B2B program to help improve financial wellbeing for employees.
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November 2, 2021
Earnin Provided Access to $10 Billion in Earnings for Members
Earned Wage Access provider has processed over 125 million transactions, unlocking financial freedom for more than 2.5 million active users.
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October 1, 2021
Earnin Receives IMA Impact 21 Award for “Best Use of Facebook”
The annual IMPACT Awards exemplify best-in-class creativity, expertise and results achieved by the top practitioners of Internet marketing across every business segment.
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September 29, 2021
Earnin CMO, Brittanie Williams, Wins Gold for “Female Professional of the Year”
The Globee Awards recognize outstanding achievements and performances in businesses worldwide.
September 14, 2021
Earnin Wins Gold for “Company Innovation of the Year” and CEO, Ram Palaniappan, Wins Gold for “Innovator of the Year”
The Globee Awards recognize outstanding achievements and performances in businesses worldwide.
May 18, 2020
Earnin Offers Advanced Access to Unemployment Benefits
To help the community grapple with the impact of COVID-19, Earnin opens unprecedented early access to unemployment benefits.
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May 12, 2020
Earnin B2B Program Marks Key Milestone for Small Businesses
Earnin is leveling the playing field for 183,000 small businesses; providing earned wage access benefits that are often reserved just for large companies.
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May 7, 2020
Earnin Unveils Tip Yourself – A New Way to Build Savings in the Earnin App
First Community-Supported Financial Platform Offers New Ways to Save.
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May 7, 2020
Earnin partners with Harvard-based Opportunity Insights to help policy makers understand the economic impact of Covid Crisis
Earnin announced that it is partnering with Opportunity Insights to help launch a new economic tracker, which will provide a deeper understanding of the economic impact of the COVID-19 crisis. Opportunity Insights (OI) is a non-partisan, not-for-profit organization based at Harvard University. Earnin contributed to the OI Economic Tracker by providing an understanding of COVID-related employment trends in different areas of the country.
February 19, 2020
Earnin Partners With Employers to Improve Financial Wellness for All Employees
Earnin announces the launch of a new Employer Partnership Program. The first-of-its-kind program enables employers of all sizes to offer Earned Wage Access (EWA) benefits in an innovative “Zero Integration” model that raises the industry standard for employee benefits
December 9, 2019
Earnin Continues to Expand Leadership Team; Names Sean Delehanty Chief Financial Officer
Earnin announces that Sean Delehanty has joined the company as Chief Financial Officer. The appointment comes as Earnin continues to expand its leadership team, mapping to the company’s strong growth in the rapidly expanding financial wellness category
March 27, 2019
Earnin Introduces Free Service to Combat Overdrafts
Earnin, an app that allows anyone with a job and a bank account to get paid the minute they leave work, announced today the launch of a new and free service called Balance Shield Alerts.
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December 20, 2018
Earnin Closes $125 Million Series C to Build Next Generation Financial System
Earnin, an app that allows anyone with a job and a bank account to get paid the minute they leave work, announced today the close of a $125 million round of equity financing from DST Global, Andreessen Horowitz, Spark Capital, Matrix Partners, March Capital Partners, Coatue Management and Ribbit Capital.
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Perspectives
May 6, 2024
Is waiting for payday creating a worker mental health crisis?
Pay cycles are a key consideration as we move into the new frontier of balancing work and mental health.
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December 12, 2022
Why Digitally Native Brands Like Wisp and Earnin Are Turning to CTV
Earnin is featured in AdWeek around why digitally native brands are turning to CTV, with insights from Brittanie Williams, CMO and Aayush Sakya, head of user acquisition at Earnin. They discuss Earnin’s media spending on television and CTV’s ad-tech capabilities.
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October 15, 2022
The Hidden Workplace Problem: The Financial Stress of Living Paycheck to Paycheck
One of the most common misperceptions of living paycheck to paycheck is that it’s only a problem for lower-income workers. In reality, a large portion of this population earns over six figures. A recent survey found that 60% of millennials earning more than $100,000 per year report living paycheck to paycheck.
September 23, 2022
EarnIn’s Head of Research, Angela Hung, panels at Financial Health Network’s EMERGE Conference
The panel discussion focused on using customer behavior to drive and achieve financial health for consumers, featuring experts from Earnin, U.S Bank, Digit and BeSci.io.
September 12, 2022
American Enterprise Institute: Financial Innovation for Workers During Inflation
Earnin CEO Ram Palaniappan joins Paul Ryan, Ida Rademacher (Brookings Institute), and Aaron Klein (Aspen Institute) at the American Enterprise Institute (AEI) to discuss how financial innovation supports workers during inflation.
June 28, 2022
The Acquire Podcast Ep. 12: How Earnin uses organic community building to grow earned wage access
Earnin’s CMO Brittanie Williams joined Rebecca Cohen on Tearsheet’s The Acquire Podcast. During the podcast, Britt discussed best practices for building a strong and truly community-based brand, building with customers for customers, and flipping the script on what we think when we talk about the millions of people living paycheck to paycheck.
April 19, 2022
Visa Webinar: Faster Payment Solutions for the Modern Restaurant Workforce
Visa and several of their partners including Earnin discuss emerging payment solutions designed to better meet the needs of this dynamic modern workforce.
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April 5, 2022
FinTech Law TL;DR: EWA Deep Dive
Ben LaRocco, Sr. Director of Government Relations, gives a deep dive into the current state of EWA regulations and where he and other EWA providers would like to see the regulations go.
February 2, 2022
Earnin Chief Compliance Officer, Sangeetha Raghunathan, Featured on Fintech Policy Panel Hosted by Brookings Metro
The panel discusses how fintech companies like Earnin are providing solutions for communities that have been left behind by the traditional financial services industry.
January 11, 2022
What's Top of Mind for Chief Marketing Officers in 2022?
Earnin CMO, Brittanie Williams, and other key marketing leaders share how they are prioritizing roles and responsibilities in 2022
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October 18, 2021
Earnin CEO, Ram Palaniappan, Guest Speaks at Purdue University Krannert School of Management
The Earnin founder held a fireside chat with the students to discuss market demand, Earnin’s origin story, and the challenges he faced while building a fintech startup.
August 20, 2021
Research Partnership: Cutting off jobless benefits early may have hurt state economies.
New research suggests that ending the benefits did indeed lead some people to get jobs, but that far more people did not, leaving them — and perhaps also their states’ economies — worse off.
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.
