What is Earnin?
At Earnin, we’re making money work in a way that’s fair’s good for everyone. Together with our community, we’re creating a future based on what’s possible rather than the way it’s always been done. That’s why we let people get paid when they want. The pay cycle was built for a time when everything was done manually. Now, we can move money at the touch of a button. So, why wait? If we stand together, we can transform how money works. If we help each other, we’ll all succeed.
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Earnin Reviews (347)
- ★★★★★95
- ★★★★★11
- ★★★★★22
- ★★★★★22
- ★★★★★197
Review Summary
Generated using AI from real user reviews
Earnin is overwhelmingly disliked by recent users, with serious complaints about customer service, unexpected account withdrawals, and arbitrary restrictions.
The most common grievances centre on timing and account errors. Multiple users report Earnin debiting their accounts earlier than agreed, pushing their balances negative and triggering overdraft fees. When customers contact support, they describe unhelpful or dismissive responses—staff either claim ignorance, blame the bank, or refuse refunds. Several users say they were charged multiple overdraft fees and received no compensation despite Earnin's responsibility. A secondary complaint involves cash-out limits dropping without warning or explanation, even when accounts remain in good standing and payments are on time.
Additional problems emerge around work documentation and eligibility. Self-employed users report being rejected despite providing required materials. Salaried and work-from-home employees faced sudden account freezes or earning blocks during the pandemic when they couldn't supply timesheets, with customer service unable or unwilling to adapt. Some users also describe login and technical issues after reinstalling the app, account switching, and inaccurate earnings tracking.
A handful of five-star reviews appear generic or misaligned with their rating. Overall, users advise against the app, citing predatory practices, unreliable support, and the risk of financial harm. Several mention exploring alternatives like payday lenders or credit union salary advances as preferable options.
★★★★★
Saturday, December 26, 2020
“Terrible customer service supervisor all the way down absolute worst…”
Terrible customer service supervisor all the way down absolute worst customer service ever kept me on hold for hours over online chat rooms and kept leaving someone else would join and they leave. finally I asked to speak to the supervisor I was told that they weren't going to resolve my issue.. I did a cash out of $100 and accidentally tipped 10 bucks becaust they updated the app and changed the options.. I let that slide, but this week when I cashed out again, they gave me the option to cash out of a hundred again like I did the week before. When I did that it automatically included the same $10 tip from the week before and did not give me the option to deselect it and auto submitted. When I contacted them their supevisor tells me they cannot refund tips but they automatically set up the app to default so it automatically includes what u may had tipped the previous cash out from the previous week without giving you the option of not including a tip.. Its my choice weather i wanna tip u 20 bucks or not.. U cant just take my money especially when I was a loyal customer doing business with you for about a few years now.. Not anymore cuz I'm gone.. Now I see cash app has a 2 to 3 star rating..
★★★★★
Saturday, December 5, 2020
“I uninstalled Earnin cause I was changing phones but now…”
I uninstalled Earnin cause I was changing phones but now when I try to log back on to it it tells me my credentials are not seen try singing in again but I can't get the old one to stop everytime I download it it comes right back to my old account it want let me in the account are change my password
★★★★★
Tuesday, November 24, 2020
“They took money out of my bank account that didn't…”
They took money out of my bank account that didn't belong to they stole money I don't even know what wack COMPANY they are I'm SUING THEM AND THE BETTER RETURN MY MONEY OR THE BRANCH MANAGER IS GOING STRAIGHT TO HELL! JELL. Don't deserve not 1 star
★★★★★
Monday, October 12, 2020
“This app won’t accept my credit union it accepted my…”
This app won’t accept my credit union it accepted my sisters account and she has the SAME CREDIT UNION as me!? Would love to rate 5 stars if this issue can be resolved.
★★★★★
Monday, September 7, 2020
“I don't understand if you are linked to my bank…”
I don't understand if you are linked to my bank account why I can't just borrow why do I need to have over $100 in my account if I have money in my account why would I need to borrow more money your link to my bank account so I should be able to borrow either way it's bull crap
★★★★★
Thursday, August 20, 2020
“They overdrafted my account by going into my bank account…”
They overdrafted my account by going into my bank account early. They asked when were my paydates, but they never asked for the days I told them every other friday, and they came on a wed, and now they're giving me the run around on returning my $60.00 nsf fee. I have submitted everything!!! it's BULLSHIT
★★★★★
Tuesday, August 11, 2020
“I need my money back imto my banking i deleted…”
I need my money back imto my banking i deleted the app awhile a go
★★★★★
Sunday, July 26, 2020
“Absolutely terrible. Works fine for a few weeks then have…”
Absolutely terrible. Works fine for a few weeks then have to set everything up again. Doesnt accurately track earnings and the customer service is horrid. They talk to you like your stupid and dont even answer your questions
★★★★★
Thursday, July 9, 2020
“They took $30 out of my debit card. I am…”
They took $30 out of my debit card. I am so mad right now, and give me back my $30 now!!!!!
★★★★★
Tuesday, July 7, 2020
“This company has the most disrespectful, unprofessional and disgusting employees.…”
This company has the most disrespectful, unprofessional and disgusting employees. DO NOT UTILIZE THIS APP, the customer service isHORRIBLE!
