Visit
EarnIn screenshot
/ About /

EarnIn is a mobile app that provides workers with early access to wages they've already earned before their scheduled payday. Users can cash out up to $150 per day and $1,000 per pay period with no mandatory fees, no interest, and no credit check. Additional features include Early Pay (paycheck up to 2 days early), Balance Shield alerts, and automatic savings tools.

/ How it works /

Users link their bank account and verify work details in the app, then can instantly request a portion of their already-earned wages via Cash Out, with free standard transfers in 1–2 business days or instant transfers via an optional paid Lightning Speed feature.

/ Who it's for /

Hourly and salaried workers who need access to earned wages before payday

/ More info /

Background.

Status
launched
Business model
freemium
Company
EarnIn
/ Discovered patterns /

Similar projects.

Coming soonSpektrail’s read on Finance & Fintech

Editorial take on the space this project sits in — momentum signals, adjacent moves, our call on whether the wedge is real. Get pinged when we publish a new read or when the landscape shifts.

Coming soon

Have a take on this space?

Tell us what you’d build differently, where you think the incumbents miss, or what we’ve gotten wrong about this project. Comments + reactions are coming soon.