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.
★★★★★
Thursday, July 2, 2020
“Do not get. Customer service is the worst I have…”
Do not get. Customer service is the worst I have ever experienced. I can’t believe a business is allowed to run with that kind of education and professionalism. For the sake of your money I am telling you do not use. The ignorance of it all is astonishing. Again customer service is the worst I’ve ever experience on my years on earth.
★★★★★
Thursday, June 25, 2020
“was working fine but now it keeps telling me I…”
was working fine but now it keeps telling me I need to send copies of my paystub. I do and its never enough. I've had the same job since using this, why am I having this problem now? Please fix this.
★★★★★
Tuesday, June 23, 2020
“If I could give zero stars thats what I would…”
If I could give zero stars thats what I would give. Worst app ever since the begining of the year with scripted excuses each time. Earnings are not updated accurately as well as when you chat with them about it they have no clue as to what they are doing. Since the begining of 2020 I have had nothing but issue after issue with this app. Won't recommend to my worst enemy and surely won't use again.
★★★★★
Wednesday, June 17, 2020
“This app is absolutely infuriating. It worked okay for a…”
This app is absolutely infuriating. It worked okay for a while, but as soon as COVID happened there were glitches left and right. I was employed and using the app for 3 months. All of a sudden my account switched to unemployed. I couldn't access money. They never explained to me what the issue was with my account or how long to expect it would be before it's resolved. I've received no information on what is actually going on, what the problem is, how it happened, and how and when it will be fixed. There's no information or clarity and I'm having to reach out via chat about this issue daily and have the same exact conversation with a different support person. 6 days in a row. Not kidding. It's incredibly frustrating. I've been using this app for 3 months now and submitted my work information in March. I have been submitting pay stubs and biweekly deposits and debits every other week since I started. They had all the info they needed. I've been a customer for a long time (previously for a year with a different company) and I've never had an issue like this but it is terribly frustrating. The lack of specifics and outreach is difficult to understand. Please let me know when I can expect this to be fixed. The customer service was atrocious. Absolutely the worst customer service I've ever experienced. I honestly thought they had been hacked or taken over by scam artists, that's how bad it was. I would never recommend this app and will never use this app again. It has been a truly horrible experience. DO NOT USE this app if you can avoid it.
★★★★★
Monday, June 8, 2020
“I am sure any hard working and reputable attorney would…”
I am sure any hard working and reputable attorney would find various consumer protection violations made by Earnin. It does not take long to see this is a very questionable company. This company is NOT clear how they operate. In my opinion, this company serves like a Money Laundry for cartels. Looking into Earnin's business practices and how they operate would be an excellent project for a good law firm.
★★★★★
Tuesday, May 26, 2020
“Just scam that gets you quickly into more debt....just learn…”
Just scam that gets you quickly into more debt....just learn to budget yourself and stop unecessary spending. I was done with this app until the pandemic hit and they made the process extra hard I went to form 1k on earnings to just being able to get 50. Even after sharing my recent paystubs they refused to make any changes. Just learn to budget y’all be more proud of yourself
★★★★★
Thursday, May 21, 2020
“This is a way to enslave you to their app.…”
This is a way to enslave you to their app. They give you a max of up to $500. Then you find you're dependent on getting that money back, costing you what ever you tip them. When the pandemic happened, and we had to work from home, they only allowed people to pull $200. I was in the process of "weaning" off these guys by cashing out $50 less each week. Next week, I'm down to $50, then never again. It's a waste of money and there's other options. But you don't want to be dependent on a technology company for a payday type loan. Learning to budget isn't a bad thing.
★★★★★
Friday, May 1, 2020
“Beware teachers! I am teacher and am on salary and…”
Beware teachers! I am teacher and am on salary and get paid 12 months out of the year. I had my first issue last summer when I needed to cash out and could not get get earnings added because I was not driving to campus. When I contacted Earnin they basically said sorry they could not do anything for me. Then a few months ago my cash out max dropped for no reason. They never had an issue debiting money and my account t was always in good standing but cut my cash out max in half. Then now that the entire country’s education system has transferred to school from home and I no longer drive to campus I am back where I was last summer. Teachers are under contract and get paid every month of the year and I am direct deposit so once our job is verified our earnings should go in regardless of wether we go to campus or not. Teachers don’t bother because Earnin will not be helpful when they need you and is definitely not there to help the public during the Virus quarantine! I will never use again!
★★★★★
Monday, April 27, 2020
“Peoples! Look elsewhere! Exhaust all options before payday loans (what…”
Peoples! Look elsewhere! Exhaust all options before payday loans (what earnin calls "activations"). Work for the government? Have a state employees credit union? Know a family member that does? Bank with a credit union, pull out a "Salary Advance Loan (aka SALO) when money is tight. Way cheaper and what you pull out is reimbursed back to YOU and placed in a SALO savings account to earn INTEREST for YOU!!!! Works just like earnin but with benefits for YOU!!! The interest rate (first 6 mo) is 14% or less. Earnin is 100 times that!!! Tsk Tsk earnin. Fool me once shame on you! Fool me twice, shame on me!
★★★★★
Monday, April 27, 2020
“The wait time for response has gotten completely out of…”
The wait time for response has gotten completely out of hand. They don't have understanding people making the policies and procedures. They worried about protecting their business when their business was supposed to be helping the community. Now here it is the WORLD is facing some of the most devastating times ever and they decide to change the policy on March 26, 2020. I would not ever recommend nor do business with this company ever again. I will also continue to voice my concern, disgust and disappoint regarding this companies antics during this time. I am just appalled!
