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Earnin Review

Earnin OUR SCORE 74%
starting price Free
our score 74%
free trial
  1. What is Earnin
  2. Product Quality Score
  3. Main Features
  4. List of Benefits
  5. Technical Specifications
  6. Available Integrations
  7. Customer Support
  8. Pricing Plans
  9. Other Popular Software Reviews

What is Earnin ?

Earnin is a lightweight financial service app that provides users with access to their paychecks whenever it’s needed. It allows hourly and regular employees to withdraw a portion of their paycheck even before their payday. This application, which is previously known as Activehours, is designed for people whose lifestyle and necessities do not suit the twice a month paycheck or other payment schedule. The system monitors the users’ earning and how frequent they work in order to set the limit of the amount that they can withdraw. Getting fund can only be done if the amount is not above the set limit for users. Earnin’s services are free of charge as well, however, it asks the users for donation (up to $14) instead of requiring them to pay.

Product Quality Score

Ease of use
Customer support
Value for money

Earnin features

Main features of Earnin are:

  • Withdrawal limits
  • 256-bit encryption
  • Lightning speed program
  • Third-party integrations
  • Balance shield
  • Automatic earnings

Earnin Benefits


The main benefits of Earnin are its security features, balance shield, easy access to user’s money and user-friendly operations. Here are the details:


Users are required to enter their personal and banking information on the system, which calls for security concern. Earnin addresses this by ensuring that user details are protected by employing the same level of security that is being used by famous online banks. It utilizes several security techniques, one of which is the 256-bit encryption technology which ensures the privacy and security of users’ account information.

Overdraft avoidance tool

Earnin offers an optional feature called Balance shield that provides financial protection to the users by preventing their account from being overdrawn. If you are subscribed to this overdraft avoidance tool, the system sends a specific amount (which is usually not over $100) when the users’ balance in the bank falls under $100. This is usually a less expensive method than forfeiting the overdraft fee.

Quick access to money

Users utilizing the app have full control of their hard-earned money. Employees, be it hourly or regular workers, wouldn’t have to wait for their paychecks to come and are guaranteed to have their money sent straight to their account. This means that they are able to spend their earnings anytime they need to. With its speedy program, payments become accessible to users in mere minutes after request.

Easy to use

The app is easy to set up. Users only need to enter their account information such as the timesheets they use in their workplace, location, payday information and then they can link it their bank account. Earnin will seamlessly integrate with their employer’s attendance and time tracking system. Then the users will be able to easily monitor their earnings via the application’s dashboard and if they want, they can also receive notifications for important updates.

Technical Specifications

Devices Supported

  • Web-based
  • iOS
  • Android
  • Desktop

Customer types

  • Small business
  • Medium business
  • Enterprise

Support Types

  • Phone
  • Online

Earnin Integrations

The following Earnin integrations are currently offered by the vendor:

  • Nimble Schedule
  • WebPunchClock
  • Tsheets


Customer Support


Pricing Plans

Earnin pricing is available in the following plans:

Free trial