Earnin App Review [Best Apps Like Earnin] 2023

In this article, I will be reviewing best six apps like Earnin that can provide you access to small cash advances when you are hit with an unexpected bill or a financial emergency while you repay at your next paycheck.

Imagine if your bills are due earlier than your payday, then a few stressful days may be around the corner. Apps like Earnin can provide a helping hand in such situations. The assistance isn’t free, of course, but it’s better to pay a small consideration than to sit without electricity or water for days.

Therefore if you’re short on cash and need a little money to push on, until your next paycheck, the Earnin app and other alternatives like it may help. Alternative payday apps that work like Earnin may offer no-interest small cash advances or ask for tips instead of charging customers fees.

What is Earnin?

Earnin is one of the best financial, banking and cash advance apps, offering quick payday advances since 2014 and allowing users get paid today, from what they already earned, up to $100 per day with no mandatory monthly fees, interest or credit check. The app connects with a user’s bank account, tracks work hours using timesheets or GPS and then sends a cash advance within three days. The Earnin loan app allows you choose what you want to pay, called “tip” to support the service. This method of offering ‘tip’ as consideration for the pay on demand service is a radical change from the way the American financial system typically functions.

Earnin Product Details

Best Apps Like Earnin For Small Cash Advances

If you are experiencing financial difficulty or living from paycheck to paycheck and you are looking for other apps like Earnin to access some small and instant credit line to help you sail through your financial emergency, then it is good to try veritable and credible Earnin alternatives available to help you bridge this gap.

The best alternative apps like Earnin for instant cash advances without credit check include Dave, MoneyLion, DailyPay, Brigit, Chime, Albert, Empower and Even App. These lending platforms are typically online, operate 24/7, and work by helping you access between $100 to $250 from the pay you’ve already earned, without hidden fees, interest or overdraft charges.

1. MoneyLion App

MoneyLion is one of the best cash advance apps like Earnin in the loan market today. The platform operates a personal finance app that offers useful banking tools, including a RoarMoney account, giving users early access to direct deposit paychecks.

MoneyLion Credit Builder Plus program offers credit-builder loans up to $1,000 to be repaid over 12 months (with a $19.99 monthly fee). The app will report your payments to the major credit bureaus to help you improve your credit score.

MoneyLion’s Instacash feature is for cash advances up to $500 with 0% APR. Standard delivery is free, and can arrive between 24 hours and five business days. To be eligible, you need to have an active linked checking account that’s been open for at least two months, receives direct deposits, and shows a positive balance.

2. DailyPay App

DailyPay is another cash advance app similar to Earnin that can help solve your urgent financial needs when you’re low on cash without attracting hefty overdraft fees on your account. Certain companies participate in DailyPay, an app that allows employees to access part of their earned paychecks on demand. This means that you can cash out before your paycheck arrives. Best of all, there are no fees to access your pay early.

Whenever you clock in for a shift, your earnings for the day will be added to your DailyPay account. You can transfer the earned amount to your bank account any time you want and DailyPay, a very reputable app like Earnin, will deduct the advances from your salary when payday comes around.

3. Brigit App

Brigit is one of the best alternative apps like Earnin that let you borrow money and pay back when your next paycheck is deposited. The online pay advance app offers up to $250 of your next paycheck.

Brigit app is specially designed to help you avoid overdraft fees on your checking account. However unlike Earnin, Brigit charges you a monthly membership fees of $9.99, but offers up to $250 per pay cycle. And if you’re short on cash and need extra time to pay, Brigit lets you extend your due date. You can ask for one extension for every two consecutive advances you pay back on time. By doing this, you can store up to three extensions for use at a later date.

4. Chime App

Chime is one of the most trusted and reliable apps like Earnin. The platform allows you request up to $200 but you have to start building your account to qualify. However if you’re in urgent need of a little cash, Chime can lend you up to $100 before your paycheck arrives.

With Chime’s Spot Me feature, you can overdraw up to $200 on your account depending on your repayment history. The service is completely free to use. It charges zero maintenance fees, no transaction fees, no minimum balance fees, nor any hidden fees.

5. Dave App

Dave is yet another reputable platform on our list of best apps like Earnin for small cash advances. With Dave, you get paid up to two days early, build your credit history, and get up to $200 cash advances without paying a fee.

However there may be limitations to the pay advance amount on offer. First of all, you can’t expect a lot of money. Most of them offer about $100 to $500 and in most cases, you have to pay the money back in a month. The Dave app has no minimum balance fees, overdraft fees or ATM fees (via the partnered 32,000 MoneyPass ATMs only). But Dave does charge a $1 monthly membership fee.

One unique feature about Dave over Earnin is its partnership with LevelCredit, which reports your rent payments to the major credit bureaus, and in turn help you build your credit score (as long as you make payments on time). Additionally, Dave sends alerts if your account balance is low, helping you avoid overdraft fees.

6. Albert App

Albert, an all in one financial app that works similar to Earnin, provides you with an interest-free cash advance up to $250 against your next paycheck. When you make a request, Albert sends the money directly into your bank account while you repay upon deposit of your next paycheck.

Albert is a veritable alternative app like Earnin in that it is free to use, and there are no late fees or interest on your cash advances (unless you need an instant delivery, which comes with a small fee). With the platform, you can manage your money with banking, budgeting, saving, and investing features—all in one platform.

Albert also includes a Smart Savings tool that analyzes your spending and sets aside money to help you reach your financial goals, and an Albert Cash account with early direct deposit and cashback rewards. Albert Savings and Albert Cash are FDIC insured, and investment accounts are SIPC insured.

What Is Earnin App?

Earnin App is a free mobile earned wage access and paycheck advance application that gives consumers access to the pay they’ve worked for and earned, without waiting for payday, by allowing you borrow up to $100 per day or $750 per pay period with no interest or fees. The Earnin application allows workers access small amount from their paycheck before before payday arrives.

The Earnin app provides a simple way to access your earnings before it get deposited into your bank account, giving you the freedom to live life on your terms and allow you get up to $100/day or $750/paycheck to cover any emergency expense or unexpected bills.  Earnin as a digital finance application gives users part of their upcoming paycheck before payday. It is not a lender and does not offer personal loans, instead, it allows employees to access their own money and later repay it out of their next paycheck.

How does Earnin app work?

EarnIn makes financial solution accessible to everyone through earned wage access . You’ll need a steady payday, a checking account, and a smartphone to use the app. To access your money before payday, connect your bank account and add your employment info to help the app recognize your pay schedule.

There are three possible ways to add your earnings:

• An electronic or printed timesheet
• Your employer-provided work email address
• Automatically via our GPS earnings feature if you work from a fixed work location

The following are basic steps to get a cash advance from the Earnin App:

• Create a profile on the app and give it access to your checking account.
• EarnIn tracks your hours worked. It does this in varying ways, depending on your job.
• You can access money only once you’ve earned it. You may get access to more or less money after that. Advances max out at $100 per day, up to $750 per pay period.
• When you request money, EarnIn verifies your hours worked. The company says this takes 10 minutes, on average, if you submit through the app.
• Once you choose an amount, EarnIn asks if you want to pay a fee to receive funds faster. Then, the app requests a tip. Tips can be between $0 and $14, which EarnIn deducts from your paycheck on payday along with the borrowed amount.
• You will be shown the total amount owed — the advance plus fees — before you agree to take the advance. EarnIn displays your repayment date on the confirmation screen after you agree.
• If you pay the fast-funding fee, you’ll receive the advance within minutes. If not, you’ll receive it in one to three business days.
• On the date EarnIn has determined you’ll be paid next, the app withdraws the advance, plus any additional fees, from your account.

What you should know about apps similar to Earnin?

Alternative apps similar to Earnin may come with helpful features like no-interest cash advances and additional tools to help you avoid overdrawing your account. But some of these apps like Earnin do charge a membership fee or other charges, so you’ll want to choose carefully. The best apps similar to Earnin are Dave, Albert, Chime, Empower, PayActiv, MoneyLion and Brigit apps. These apps could be a good potential alternative to taking out expensive payday loans, which can come with APRs as high as 400%.

Why are cash advance apps like Earnin better than payday loans?

Earnin and other cash advance apps are similar to payday loans as they both allow you to quickly borrow money for the short-term, usually without a credit check. Where they differ is in interest rates. Payday loans have high-interest rates, which can be difficult to repay fully and eventually trap you into debt. Cash advance apps don’t have high-interest rates, and limit how much you can borrow at a time, making it easier to repay and making you steady financially.

Is EarnIn a payday loan app?

No. It’s not a loan app. EarnIn gives you access to the pay you’ve earned– when you want it. Loans, including payday loans, charge mandatory fees and/or interest.

How quickly will I get credited with apps like Earnin?

How quickly you get funds from Earnin or other apps like Earnin depends on how long it takes to apply and be approved (typically one to two days), as well as how long your particular app guarantees cash transfer. Often cash advances can transfer to your account within minutes up to three business days

What apps let me borrow money instantly?

Earnin app and similar apps like it such as Empower, Chime, MoneyLion, Dave, and Brigit can instantly transfer money to your bank account. However there is usually a fee for speedy delivery, but the upside is that it can sometimes get to you in minutes.

Does EarnIn affect credit scores?

No, using EarnIn does not affect credit scores

How to logout from the EarnIn app

For both Android and iOS:
Tap Settings ≡ (triple bar icon) at the lower right corner of the home page of the app.
Scroll down and tap on the Log Out button.

How to update my EarnIn app

Keeping your app up-to-date will help us get your money to you as fast as possible. We want to make sure you have the most current version of the app so you can take advantage of any new updates and features we add. To update your app, please take the following steps so you can keep cashing out!

For Android:

• • Open the Google Play Store app.
  • Tap Menu Settings.
  • Go to Auto-update apps.
  • Select either of these options:
  • Over any network to update apps using either Wi-Fi or mobile data or
  • Over Wi-Fi only to update apps only when connected to Wi-Fi.

For iOS:

• Open the App Store.
• Please note: If you’re using iOS 12 or earlier, tap Today at the bottom of the screen.
• Tap your profile icon at the top of the screen.
• Scroll down to see pending updates and release notes.
• Tap Update next to the EarnIn app to update only that app, or tap Update All to update all your apps.

What app will give me $50 instantly?

Best $50 Instant Loan Apps

• • • Dave
    • Albert.
    • Chime.
    • Earnin.
    • Empower.
    • PayActiv.
    • MoneyLion.
    • Cleo.
    • Branch.
    • Brigit

What app can let me borrow $100 dollars?

There are quite a number of apps like Earnin that will lend you $100 for an emergency . They are often called cash advance apps and they don’t charge interest or fees. Moreso the loan tenor is typically within a month. Using personal loans occasionally to get through an emergency is okay, but don’t make a habit of it. Apps like MoneyLion, Brigit, PayActiv, and Cleo and Albert lend you money instantly.

Does Earnin work with cash app?

Yes, Earnin can work with Cash App. This allows you to transfer funds from your Earnin account to your Cash App account and vice versa. This can be useful if you need to transfer money from one account to another quickly. To link your Earnin account to your Cash App account, you will need to follow a few simple steps.

• • • You need to download the Earnin app
    • Sign up,
    • Open the Earnin app and navigate to the “Cash Out” page
    • Select Cash App from the available options in the account settings.
    • Follow the prompts to link your Cash App account to your Earnin account.

Once your accounts are linked, you can transfer funds between them by selecting the option to “Cash Out” in the Earnin app and choosing your Cash App account as the destination. You can also transfer funds from your Cash App account to your Earnin account by using the “Add Money” feature in the Earnin app. Other compatible apps with cash app include Albert, Dave, and MoneyLion.

What Are the Pros & Cons of Earnin App?

The following are the merits and demerits of the Earnin wage access application:

Pros

• • • • No mandatory fees.
      • Low optional fees.
      • Potentially large advances.

Cons

• • • Requires access to your bank account.
    • May require access to your location or contact you through your work email address.
    • May cause your bank to charge an overdraft fee if you don’t have sufficient funds on the due date.

Does Earnin work with Chime?

No, it doesn’t. Earnin doesn’t work with Chime due to issues with maintaining connectivity. While many interest free cash advance apps such as Empower, Cleo, MoneyLion, Branch, Dave, Albert and Varo work seamlessly with Chime and do not require credit check and can deliver cash deposit into your account very quickly in minutes, however a few applications such as Earnin, Varo, Brigit, and other similar apps do not work with Chime. However while Earnin and other apps like Earning may not currently be compatible with Chime, they may do so in the near future as they continue update their app features.

How do I contact Earnin Customer service and support?

There are several steps and options available to users who want to contact Earnin customer service including the following:

What Is the Earnin Customer Service Phone Number?

If you have questions about Earnin’s Agreements or operational procedures, you can call or contact Earnin toll-free phone number: 1-888-551-1784. This Earnin contact number serves as a means to address a spectrum of concerns, including comprehension of the working process, resolution of issues related to fund transfers, repayment intricacies, and effective account management. The Earnin customer service team is committed to providing holistic assistance, guaranteeing a smooth and seamless encounter with their services. Whether it is clarifying terms or resolving specific issues, call Earnin to receive tailored guidance and support.

How Can I Contact Earnin Support via Email Address?

To get in touch with Earnin customer service via email, you have two specific avenues at your service. First, if you need general assistance or have questions, use the Earnin customer service email address, care@earnin.com. Similarly, when you are required to send in complaints and address concerns, the Earnin customer service email address is complaints@earnin.com. These

Earning customer service email channels are thoughtfully established to cater to varying needs, ensuring customers can effectively communicate their questions, issues, or feedback to the Earnin customer service team. This particular approach to contacting customer service ensures that the customers receive timely and tailored assistance whenever necessary.

Can I Contact Earnin Customer Care via Live Chat?

Yes you can. You can also contact Earnin contact support through the live chat feature. However, the Earnin contact support via the live chat functionality is only accessible on the mobile app. If you’re on a mobile device, click here to contact a community advocate.

EarnIn offers in-app 24/7 live chat support. The chat experience is conversational, meaning your chat history is saved (similar text messaging). Chats do not get disconnected. Respond at your convenience.
If you don’t have a mobile device, send us a direct message on Facebook, X (Twitter) or Instagram. The app community advocates are always here to help!

However if you’re unable to find answers within the help center and the Contact support button is starting a chat, please ensure your device operating system is up to date, see current app version and compatibility. Also ensure you’ve installed the latest EarnIn app version (iOS, Android).

Earnin Login

The following details are provided relating to Earnin login.

EarnIn offers three different options for logging into the app.

• • • Password (along with your phone number or email)
    • A biometric login – fingerprint or face ID
    • A pincode

After setting your password. You can change your login method at any time. To do so:

• • • Open Settings, by tapping on the three-bar icon () in the lower right corner of the app.
    • Tap Manage Security.
    • If you haven’t set up a biometric login, you will be prompted to set up a fingerprint or face ID. Tap X in the upper left to dismiss.
    • You can then create or update your 4-digit pin, re-enter the same 4 digits to confirm.
    • Follow the same process to update or disable your biometric login or pin code.

Follow How to reset your EarnIn password to change your password.

Can I login to my EarnIn account using a PC or laptop?

It is not possible to use a PC or laptop to access your EarnIn account because:

• • • There are security concerns since a PC or laptop can have multiple users. We want to make sure that it is only you who has access to your EarnIn account.
    • We also have our GPS earnings feature which updates your earnings depending on how long you’re at work. This feature won’t be able to add earnings correctly if you use multiple devices. Providing us the address where you physically work, and keeping your mobile GPS on, helps verify your work hours to make sure you’re able to access the money you’ve worked for.

How to trick Earnin app

Many people have been asking: How do you trick Earnin app? Earnin application depends lately on integrity and trust on users and therefore abusing its use and trying to trick it could lead to legal issues. I advise users to always use such lending services responsibly and within their terms of use.

This unethical behavior is driven by the desperation of needing extra cash advances beyond what’s ordinarily permitted by the app. Another illicit reason involves users intentionally submitting incorrect payroll data with inflated wage amounts in order to secure larger loans. The mindset behind this action is often propelled by an immediate need for funds that overlooks future consequences or repercussions of not being able to repay those borrowed sums.

If tempted to manipulate the Earnin app for additional financial advantage, a user could create multiple accounts under different identities or utilize misleading banking information to borrow more than their pay allows.
Choosing to deceive the Earnin app may seem like a clever plan, but it’s likely to backfire. The system has an intricate verification process that scrutinizes user information for authenticity. If found guilty of providing false data or trying to manipulate their services, you could face severe consequences including indefinite suspension of your account.

Is Earnin App Legit?

EarnIn is a safe and legit earned wage access application that allows users and consumers up to access paycheck before it gets deposited into their bank account, up to $100 per day and $750 per pay period. you to access your. The pay advance app doesn’t charge any mandatory fees and it has low optional fees with potentially large advances. However it has some demerits such as the requirement to access your bank account, your location or contact you through your work email address. Earnin app may also cause your bank to charge an overdraft fee if you don’t have sufficient funds on the repayment due date.

Earnin Review 2023

The Earnin app is a popular choice for many strapped-for-cash between paydays. One reason it’s so appealing to users is that it doesn’t have hidden fees or require a subscription. However, a downside is that Earnin limits the amount you can borrow to $100 per day, which may not be enough to cover your expenses.

However EarnIn app allows allows you draw from your earned wages before payday . Instead of charging interest, the app asks users to provide an optional tip for the service. EarnIn advances, called “Cash Out,” can be relatively large but are only available to employees who receive their paycheck by direct deposit. The cost to get an advance is relatively inexpensive, with low fast-funding fees and an optional tip capped at $14.

Overall, the Earnin app and many apps like Earnin are good alternative to payday and other high-cost loans, but it’s best to consider alternative sources of cash before getting an advance. The EarnIn application claims its offering is an “access to earned wages,” and not a paycheck advance or loan.

Conclusion

Alternative apps like Earnin offer thousands of Americans the opportunity and privilege to borrow small amounts of money such as like $50, $100, $150, $200 and $250 in the form of payday advances. Some may have additional features such as credit-building, saving and budgeting tools, but may require a monthly membership fee.

Many of the cash advance apps like Earnin may come with helpful features like no-interest cash advances and additional tools to help you avoid overdrawing your account. But some of these apps such Dave, Earnin, Empower, Chime and Brigit among others do charge a membership fee or other charges, so you’ll want to choose carefully. Many of these apps could be a good potential alternative not just to Earnin, but to taking out payday loans, which can come with APRs as high as 400%.