Is there a catch to the EarnIn app?

EarnIn works as advertised. You can get a cash advance for up to $100 per day and the loan is paid back automatically when your direct deposit hits your account. If there is a catch, it's that you must verify your continued employment by uploading timesheets, using GPS to prove you are at work, or via your work email address.

What is the lawsuit against EarnIn?

There is a lawsuit in Georgia against EarnIn that alleges that the optional tip and instant transfer fee are actually hidden interest. The main issue is that the app defaults to a tip amount, and the user must change this to zero if they do not wish to leave a tip. There was also a class action lawsuit in 2021 where EarnIn agreed to pay a $3 million settlement regarding overdraft charges that were caused by EarnIn's withdrawals.

Does using EarnIn affect your credit score?

No, using EarnIn doesn't affect your credit score.

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EARNIN REVIEW JANUARY 2025: GET UP TO $750 PER PAY PERIOD

EarnIn review January 2025: Get up to $750 per pay period