Earnin

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Earnin

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About 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.

Earnin Support & Customer Service

For assistance, you can contact our support team either in-app or by emailing [email protected] Support is available 24/7 and will typically get back to your message within a day.

Earnin Reviews

3.9

Out of 5 stars
(105 Reviews)

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Earnin
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Monday, October 15, 2018

I loved the app it's been going well until this last pay period. It hasn't been ponging me keeping track of my work hours and my location stays on. They received their money back from the last borrow I did but now I'm unable to borrow because they haven't been entering my hours. I sent my pay stub for the pay period that shows how many hours I worked, I provides screenshots of my account balance and that they've been paid for the last borrow and still no response to my stub or screenshots. This has gotten to be ridiculous. All because customer support isn't actively responding my actual rating is 2.5 we should have a customer service phone number to call.

3 of 3 people found this review helpful.

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from Honest Feedback

Monday, October 15, 2018

Issues:

1. They sometimes withdraw too early from your bank account. This has resulted in an overdraft charge from my bank. Today, they withdrew from my bank account and it's only the 13th. I get paid on the 15th. 2 days early!! Luckily I have money in there now.

2. I make over $50K a year, have paid back on time everytime, and I am still limited to $100 max cash out.

3. I've come to the conclusion that you need to tip more in order to get a higher max, which is kind of stupid because I'm using Earnin to avoid using loans. If I'm paying Earnin more then doesn't that defeat the purpose of trying to save on interest payments to a loan company?

4. IMO, Earnin is a company that promotes themselves as a caring company, but they actually only care about their profits.

1 of 1 people found this review helpful.

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from Medical

Tuesday, October 9, 2018

I love this app. The fact that you can borrow money and determine how much of a tip you want to pay is the best. When money is tight and I can only afford a few dollars it's ok and when I have a little more cash to give I try to help others. You get your money at lightening speed!!!!

3 of 4 people found this review helpful.

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from Dermatology Inc

Monday, October 8, 2018

Love this app! It has helped me get through some rough times between pay periods. Customer service and cashing out has always been great for me! Thanks Earnin!

3 of 3 people found this review helpful.

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from None

Wednesday, October 3, 2018

Based on my income I was given a $400 max limit. Used it once and now my earnings stay at 0 and I can’t use it anymore. I took out $100 and tipped $10 one time and haven’t been able to use it again as it states I haven’t been to work yet I have been at work everyday. Not sure what the issue is and trying to get a hold of customer service is a joke. Good concept, poor management!!!!!

15 of 16 people found this review helpful.

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from Brooks Ent.

Wednesday, October 3, 2018

DO NOT DOWNLOAD THIS APP ITS NOT WORTH IT. I have been using the
earnin app for about 5 months now, and it has been working perfectly up until
recently. I started the earnin app with a $50 dollar limit, as time went on my
payout amount would increase every pay period. I am on salary pay and my checks
are always the same every month. Irecently started a part time job, with my paycheck going to the same account. Here is where things went left. Im guessing that the earnin app started to receive the information from my part-time work and decreased my limit from $400 to $100 with no warning or explanation. I went online looking for a contact number for them to explain my problem, turns out there is no number you can call to get in contact with them everything is done via the app. So I went into the app and sent numerous amounts of help requests and emails and have yet to hear a reply. This is just a warning for people who are thinking about using the app. Just
know if you have a problem with the app more than likely they will not reply to
your messages unless it’s something to benefit them. Maybe when they see this
someone will make contact with me to discuss this issue, this is not how you
handle business especially when it comes to money. Thank you all for reading, I hope it helps.

29 of 29 people found this review helpful.

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from baptist

Tuesday, October 2, 2018

i just signed up with earnin,, when it showed my bank account info...it wasnt my bank info...guess this is a sign not to try this! sucks

11 of 12 people found this review helpful.

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from My company

Tuesday, October 2, 2018

Customer service is a JOKE!!! You cant speak to anyone on real time. They write back at their convenience and close out the ticket with a resolution. I havent been able to log in for a week now. Waiting for a "specialist" to get back to me "asap". Pretty sure the customer service is based over seas!!! Be careful!!!!

13 of 14 people found this review helpful.

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from T

Monday, October 1, 2018

Well, I started with this company maybe 4 months ago. I mean everything was great, until I started tipping less and less. I mean my max hit $450, but i could only get $100 per day. So, I guess I would tip $2 to $3, so that was $515 a week. However, I guess to Earnin it wasn’t good enough, so they started to decrease my income each week, so right now I’m at $100. They claim it is because of my spending habits, but if I’m paying you on time and leaving a $1 or $2 tip what is the problem. I mean the app isn’t bad, but be ware if you are not tiping $9-$10 person cash out, then don’t be surprised when your cash decrease.

19 of 19 people found this review helpful.

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from Bimeda Inc.

Thursday, September 27, 2018

I find it awful that Earnin does not respond to low scoring reviews, yet has the time to reply to good reviews. It seems obvious that this enterprise is solely based off of scamming hard working individuals out of their hard earned money. I can speak from experience as I have been using this app for about 8 months and even got my pay period max all the way up to $450. I understand that this is actually close to their Maximum cash out of $500, so I thought that I was being a loyal user of this app. I was wrong, this past month my pay period max decreased twice on back to back checks. I went from $450 to $250 in the course of one month. So now I am unable to recuperate that $100 that was taken from my bank account on both occasions totaling a loss of $200 with no explanation other than "you don't tip enough" which is unreasonable as I tipped about $10 each time. The representative I emailed back and forth with said that you must "pay what you think is fair" but how are we supposed to know what is considered fair? This evaluation seems completely at the discretion of those working at Earnin which seems to me like more and more shady individuals working behind a computer screen. I would like answers as to how they plan on managing this situation as I have used this APP happily for 7 months however this past month has been nothing but frustration as there currently is no phone line to reach them and every representative I have spoken with concerning this issue just dodges the question or blames the customer. If you ask me this company needs to be looked at in-depth and I earnestly WARN any new users that if they want to keep their money, stay far far far away from this company.

21 of 21 people found this review helpful.

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from Nordstrom

Friday, September 21, 2018

The same thing happened to me. I’ve had the app for about three weeks, I cashed my first pay out, and everything was fine. Here’s the issue, I got paid yesterday they took their debts today, and the app is claiming I’m still maxed out for a pay period they’ve already receive money for; and the best part is it’s now saying I can’t cash out until Oct 4th my NEXT pay day, (because I’m maxed) when I’ve borrowed nothing.

18 of 19 people found this review helpful.

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from Network

Friday, September 21, 2018

I thought that this app would be good until you see that the only thing that is happening is that your borrowing back, and fourth from yourself.So technically its not helping you to do anything but stay in dept. My max to cash out goes down each time I cash out. So say Im allowed to borrow $150.00 the next time I can only borrow $100.00. Which mean I loose $50.00 to this app.Its honestly A waste of time it was useful the very first time i used it thats all.

13 of 13 people found this review helpful.

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from LashGroup

Friday, September 21, 2018

Love it

1 of 5 people found this review helpful.

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from Kent Center School

Monday, September 17, 2018

This has been a great way for me to get the occasional advance when I fall short during the month. I’m a mom with two kids and dealing with two chronic illnesses which requires many co-pays for appointments and medications. While I try to budget for these things, it doesn’t always work out perfectly, especially when an unexpected expense comes up. It’s nice that I have a bit of a cushion that I can use instead of having to dip into my emergency savings.

Response from Earnin:
20 September 2018 at 07:12

Monica,

We know how expensive appointments and medications can be, and how they can especially be unexpected at times. It warms our hearts here at Earnin that our app is able to help you and your family out in such a beneficial way. Our brand team would love to hear more about you, you can send them an email to [email protected] to chat with them. Thanks so much for taking time to leave us a wonderful review, and we wish you all the best!

Thanks,
Earnin

2 of 5 people found this review helpful.

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from UO

Monday, September 10, 2018

If I could give it 0 stars I would. I really wish I would have read the reviews before getting burned by them. I’m guessing my emails to them will be answered whenever... I’ve been using the app for about 3 weeks now and thought it was great. However, this week the let me know that I could advance up to $250. Yesterday, the app only let me take $50. I figured I would be able to take more today. This morning, I checked my bank account and the $50 deposit is no longer showing. When I checked my Earnin account, it says that I have already advanced $250 this pay period, which is completely false. At this point, I haven’t borrowed even a penny from them this week. After reading these reviews, I am beginning to freak out. Looks like some of you have been charged for money that was never deposited.

Response from Earnin:
20 September 2018 at 07:06

Leesa,

We will never charge you for any money you didn't receive. Once we send it to your bank and you see it post, it's actually only your bank that has the ability to reverse it. However, we want to take a deeper look into this, and make sure you successfully receive all money you cashed out. Please send an email to [email protected] so our specialists can fix this ASAP.

Thanks,
Earnin

23 of 24 people found this review helpful.

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from Jeannette Thompkins

Monday, September 3, 2018

I was using the app and then it couldn't connect again. Customer Service couldn't even figure it out.

Response from Earnin:
20 September 2018 at 07:04

Jeannette,

We sincerely apologize for the hassle setup was for you, and we want to make things right. Please send an email to [email protected] so our specialists can help ASAP.

Thanks,
Earnin

8 of 9 people found this review helpful.

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Tuesday, July 3, 2018

Im so excited to finally be set up!!

Response from Earnin:
20 September 2018 at 07:08

We're excited to have you join our community! Thanks, Line Lewis!

3 of 9 people found this review helpful.

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Monday, July 2, 2018

Claire provided fast results while emphatically walking me through the steps that , while alone, would have be misguided leading me on a journey to Grief Street. Thanks for the,, CLAIREfication!!!!

Response from Earnin:
20 September 2018 at 07:08

Wooh! So happy to hear! Thanks for your review, Demetrius! ??

1 of 4 people found this review helpful.

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Monday, July 2, 2018

I love the fact that it I need a little cash before payday for unexpected expenses like medication or something like that.

1 of 5 people found this review helpful.

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Sunday, July 1, 2018

Love this app, very helpful when needed

1 of 4 people found this review helpful.

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Sunday, July 1, 2018

I was suspicious when I first heard about this company because it sounded too good to be true. You need a little extra cash before your check for an emergency and you can get it at a reasonable cost? Yep. It's true and this company is great and I've had NO problems. I don't need their services every single week but the times that I have used them it has been perfect and I have no concerns. They're great!

13 of 14 people found this review helpful.

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Sunday, July 1, 2018

I love this app! I was able to pay it forward with my tip and received such loving thanks. It feels good to help my fellow people. XOXOXO

5 of 6 people found this review helpful.

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Sunday, July 1, 2018

Renzi was able to assist me quickly and resolve my issue. She is excellent! I love Earnin! It has helped me when I have been in a tight spot. This app is a god send!! :)

4 of 4 people found this review helpful.

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Sunday, July 1, 2018

This app has really helped me in time of need. The only down fall is that they limit you for $100 but that’s really understandable. They want to make sure they have enough for everyone that uses it. And the tips you add are helpful too. Thank you Earnin!

4 of 4 people found this review helpful.

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Sunday, July 1, 2018

Omg where do I start they are above amazing you guys are life savers

5 of 8 people found this review helpful.

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Sunday, July 1, 2018

This app really helps when I'm in a bind

7 of 9 people found this review helpful.

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Sunday, July 1, 2018

Being indepedent in Chicago is hard but Earnin made my life stress free. Im so glad I saw their ad in Facebook last December (2017) and immediately joined. Thanks guys! Cheers!

0 of 1 people found this review helpful.

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Sunday, July 1, 2018

Their customer service is quick, positive, and very helpful.

0 of 1 people found this review helpful.

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Sunday, July 1, 2018

Great

0 of 1 people found this review helpful.

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Sunday, July 1, 2018

LOVE Earnin!!!!

1 of 3 people found this review helpful.

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Sunday, July 1, 2018

HIGHLY recommend this service. Prompt response from customer service with ANY questions or concerns you may have. I've had an issue from this company with regard to receiving earned funds prior to my scheduled Payday. Ten star service ??

1 of 2 people found this review helpful.

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Sunday, July 1, 2018

I have been an Earnin member for a few years. This service in invaluable and has helped me get through many instances where I needed my pay before payday. Further, their customer service is fantastic. They reply in a timely manner; even on the weekends. Yes, I have had issues with cashing out, but most of those are due to my bank and not Earnin. For those who are considering this service; they are a legitimate service with exceptional customer service!!

2 of 3 people found this review helpful.

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Sunday, July 1, 2018

Great company ! They are always there when I need them and customer service is excellent.

2 of 3 people found this review helpful.

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Sunday, July 1, 2018

Great app and the customer service is right on point all the time. Thanks!!

0 of 1 people found this review helpful.

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Saturday, June 30, 2018

An aweaawe app and really helpful customer service .

0 of 4 people found this review helpful.

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Saturday, June 30, 2018

Great App and is very reasonable with helping you use money that you will eventually have. Quick deposits and a customer service support center with great people. I love using my earnin app. Saves my life sometimes.

0 of 1 people found this review helpful.

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Saturday, June 30, 2018

Earnin constantly saves my life. They’re amazing and such a brilliant idea as well as good thing they’re doing. Keep it up!:)

0 of 2 people found this review helpful.

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Saturday, June 30, 2018

I can’t wait how much payday loans try to charge an interest for let’s say $100 those companies and it up charging $150-$175 thanks to Earnin, I pay with Spare and is a fraction of the racquet I once had to resort to get help Between paydays

1 of 2 people found this review helpful.

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Saturday, June 30, 2018

I love this company!! They help me get thru day to day life emergency financial situations!!

0 of 1 people found this review helpful.

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Saturday, June 30, 2018

I love this app. Keep up the great job??.

0 of 1 people found this review helpful.

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Friday, June 29, 2018

Easy to set up and very helpful app, keeps ur mind at ease knowing that if your household needs something midweek and you have earned income you can borrow against your pay without losing money paying fees to borrow up to $100. Great idea thanks Earnin

0 of 2 people found this review helpful.

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Friday, June 29, 2018

Hands down most hospitable experiences out of any type of industry. Dianne and Renz were beyond helpful!

0 of 2 people found this review helpful.

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Friday, June 29, 2018

Helped me with a Super Power called Balance Shield. ??

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

Very cool and useful App !

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

Great service. Love the effort. This has helped me with my finances so much. Sometimes paycheck just doesn't come around fast enough to pay fixed date bills.

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

The app is amazing and comes in handy so much ??

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

wonderful app very helpful in your time of need

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

Awesome really helps out in a bind

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

We all find ourselves in a financial pinch at some point(s) in our lives. The ability to essentially borrow from our own earnings, without 300-400% interest for a traditional payday loan, is something that I do not take for granted. Earnin is doing every one of its customers a huge solid.

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

Really loving the Earnin app it’s wonderful especially when u may need that extra bit of help..

0 of 1 people found this review helpful.

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Thursday, June 28, 2018

great app

0 of 1 people found this review helpful.

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Wednesday, June 27, 2018

Very helpful and responsive

0 of 1 people found this review helpful.

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Wednesday, June 27, 2018

Great help in everything. I recommend it.

0 of 1 people found this review helpful.

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Wednesday, June 27, 2018

They really are out there to help the working man. There really are no surprise fees. Please support them by tipping for good service.. Let's revolutionize the world. The customer service may take days when there's an issue so that is something to be awAre of, but they can be a total lifesaver and keep you out of payday loans.

2 of 4 people found this review helpful.

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Wednesday, June 27, 2018

So far loving this app.

0 of 1 people found this review helpful.

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Wednesday, June 27, 2018

Very helpful in time of trouble

0 of 1 people found this review helpful.

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Wednesday, June 27, 2018

Earnin comes in handy

0 of 1 people found this review helpful.

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Wednesday, June 27, 2018

Fast response.

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Wednesday, June 27, 2018

Very helpful and polite

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Wednesday, June 27, 2018

Every time I've had to contact them I've gotten fast and friendly service and my issue has always been resolved. The app is so easy to use as well. Very happy I found this company.

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Wednesday, June 27, 2018

Helps out if you're in a pinch or if you just want a couple extra bucks. Tech support is helpful and pleasant.

0 of 1 people found this review helpful.

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Tuesday, June 26, 2018

When your in hard place and don't have the cash Earnin will help you and have excellent customer service if rhere every a problrm.

1 of 1 people found this review helpful.

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Tuesday, June 26, 2018

Thanks Jenny for your quick response and for resolving the problem i was experiencing with the app.Thanks Earnin for all you do.

1 of 1 people found this review helpful.

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Tuesday, June 26, 2018

Helpful everytime

1 of 1 people found this review helpful.

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Tuesday, June 26, 2018

These guys are on top of their game. Super helpful when I needed them.

1 of 2 people found this review helpful.

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Tuesday, June 26, 2018

I love Earnin’! This is a lifesaver when you need some quick cash from your next check!

0 of 2 people found this review helpful.

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Monday, June 25, 2018

The future of lending is here! Join today! You will regret waiting!

0 of 3 people found this review helpful.

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Monday, June 25, 2018

This app is sooo convenient! I love it!

1 of 2 people found this review helpful.

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Monday, June 25, 2018

Had some issue and the rep who helped me was amazing! Thanks guys for the amazing service!

1 of 2 people found this review helpful.

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Monday, June 25, 2018

Quick response and helped me to get back on track with my earnings.

Thanks

1 of 2 people found this review helpful.

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Monday, June 25, 2018

This app does what it says, with it I am able to manage my money better and it has an awesome way of ensuring i never borrow more than
i need. in the rare occurrence there is a delay, the customer service staff are nice, prompt and diligent at solving problems.

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Monday, June 25, 2018

Love the app, the support is excellent.

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Monday, June 25, 2018

Earnin is a lifesaver!!! Because of this app I am able to avoid overdraft fees, buy groceries or gas in between paychecks, and help me when those unforeseen situations come up that I wasn't planning on. You tip what you feel is fair and it automatically comes out of your checking account on payday. Say goodbye to those expensive cash advances!!!

1 of 1 people found this review helpful.

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Monday, June 25, 2018

It's your money. Get it when you want it.

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Monday, June 25, 2018

I signed my daughter up for this app and it has been a huge help! We have received great customer service whenever we had questions or concerns!

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Monday, June 25, 2018

The app works well for me! Any problems that I have had they resolve.

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from Wild elfs

Monday, February 5, 2018

I started using this crappy App 4-5 months ago; I got to a point where I had the highest Max Period possible; however since last month they started decreasing the amount I could take out, then every single time I log in my bank info needs to be verified; no ones answers your emails quickly and they dont even have a phone number where you can reach costumer service. It's a crappy app ... what a waste of time!

Response from Earnin:
02 July 2018 at 12:28

Lucille, we're sorry for the troubles you've had with the app. We've rolled out many improvements since you posted this, but if you are still having any troubles we're here for you, and want to make things right. You can reach us with any questions you may have by emailing [email protected] Thanks.

8 of 11 people found this review helpful.

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from The eye

Monday, January 22, 2018

This company is a scam! They lower the amount of money you can take out but they wait until you have your bills already made and then they tell you your limit has been cut! You can never get ahold of the company and emails take forever to get replied too! When you need to log in you have constant problems verifying your bank information and then you can not get ahold of anyone to talk to if you’re having a problem so you need to sit tight and wait for someone to return an email to you. Save yourself the trouble and headaches

Response from Earnin:
02 July 2018 at 12:26

Hello Lilly. We have Maxes to ensure that we don't overdraft your bank account when we take money out on payday. New users start at a $100 max. This can decrease to $50 or increase up to $500 based on multiple factors, some of which include: your use of the app, your spending, your bank, and if your employer works with us directly. For more info, you can press ‘Max Info’ on your home screen, or contact support 24/7 for assistance.

9 of 12 people found this review helpful.

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from Rex healthcare

Thursday, December 28, 2017

My son uses the app and showed me how to use it. I had trouble verifying my bank at first but eventually it verified and I am a very happy customer. Their support team answers me within an hour and Its not some automatic message because of the questions I ask. I love this app and I recommend it to anyone that is in a small bind and need help until payday. The negative reviews on here are a bit much and im not sure why you guys had a bad experience. Its been good to me so far

Response from Earnin:
02 July 2018 at 11:36

Hey there, Tenesha! With being a newer start-up company, there were a few bumps in the road at first, but over time we've completely overhauled the app, and deployed some major improvements to make sure we could offer everyone a great experience. We love hearing your positive feedback, and we're happy to know you've enjoyed the app for quite some time now. Feel free to reach out anytime if you need help or have any suggestions on how we can improve. You can reach us by emailing [email protected] Wishing you the best!

8 of 11 people found this review helpful.

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from Forza Inc

Wednesday, December 20, 2017

I’m sitting here reading these reviews and it’s blowing me away. I’ve been with Active Hours for months and while yes, I’ve had a few issues, they’ve resolved them quickly and correctly. Someone said nobody ever gets to a $500 cashout limit? I have. Their customer service has fixed any and every problem I’ve encountered and they’ve done it without any issues. The app works as advertised and the team really is top notch! Don’t let the negative reviews deter you, it really is a life saver!

Response from Earnin:
02 July 2018 at 11:30

With community members like you, we're bound to do great things together! We truly appreciate your support, Cory!

6 of 10 people found this review helpful.

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Thursday, December 7, 2017

I absolutely love the app, I think I saw it on Facebook...I must admit I was skeptical at first, but I haven't had any issues and I can max out up to $500. I was verified the very next day once I downloaded the app, it really came in handy when I need it and it was at "lightning speed." I have had nothing but a great experience with them!

Response from Earnin:
02 July 2018 at 11:29

That's music to our ears! Thanks for the support and review, Felicia!

5 of 7 people found this review helpful.

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from My business.

Monday, December 4, 2017

This app is a complete joke. I've tried several times to upload a pic of my pay stub to verify my employer and the amount I've made but Everytime they have some excuse for why it didn't take. I tried to contact support which ended up being now help whatsoever. I think this app is a scam.

Response from Earnin:
02 July 2018 at 11:27

Amanda, we're legit and we want to help. If you're still experiencing any issues, please let us know. You can reach us by emailing [email protected] Thanks.

5 of 14 people found this review helpful.

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Friday, October 27, 2017

I was so afraid after seeing reviews to try this app. Glad I tried it I have had no trouble. Customer service responds fast and are friendly. This apps comes in handy when you need it ! Verification took 3 days for me.

Response from Earnin:
02 July 2018 at 11:26

Hey Melissa! We are glad to hear that you have found the app helpful! :) Thank you for leaving us your excellent rating and review!

7 of 9 people found this review helpful.

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Friday, October 27, 2017

I have been using this app for a couple of months and have no problems. On the app it seems to only update my bank info once every 2 days but I always get my money when I request it and it always takes it when it's due so I don't really see a problem with that. I am the type of person that if something is going to go wrong it is going to happen to me. And actually this is going really good. I was sceptical but with a sick child and no one else would give me money I was desperate. Turned out it was a good decision. I have recommended this to all my co workers. I opted out of the balance shield to try and avoid any wrong that might come. So far so good. Will keep using this app until they won't let me!!

Response from Earnin:
02 July 2018 at 11:25

Good afternoon, Deanna! We hope your child is doing better now, it warms our hearts we could be there for you and your family in your time of need. Regarding the bank info updates - since we don't have a live connection with your bank, we actually have to wait for them to send updates which can take a couple hours to 24+. We know this can be inconvenient for people who are needing to cash out again right away, so we're able to manually update your account with screenshots as an alternative. You can have your account updated from support 24/7 by either contacting them in-app, or by emailing [email protected] We wish you the best, and thank you for your support! :)

8 of 9 people found this review helpful.

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from USPS

Monday, October 23, 2017

Great app, I just have an issue with reconnecting to my bank every other day. Then there is another 1 to 2 day period for bank verification. I've had it a week and my bank has been verified at least 4 different times. Would love a fix for that.

Response from Earnin:
02 July 2018 at 11:18

Hello Shaun! We've deployed quite a few fixes since you posted this review, so you should be set now. However, if you do still seem to be having any troubles, please let us know. You can reach us by emailing [email protected] Thanks!

8 of 8 people found this review helpful.

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from Lindsay

Thursday, October 19, 2017

I have never had one issue with this app. People keep complaining about they are cashing out when they arent asking to, im sure its because they have selected thw option to cash out once their bank balance gets to a certain point. I dont believe for one second this company is stealing. And in regards to active hours taking money before payday, thats because your bank posted your paycheck early and they want to get their money before you spend it. Obviously if you are using this app then you are spending more than you make or arent good at handling your money. Which i admit to fall in that category. So if course they are going to take their money when your paycheck is deposited. Dont believe for a second that they took money before your check was deposited. I do believe they take money before your official payday but many banks post direct deposits as soon as they receive them. If youre not getting overdrafts then dont act like you are. Thats why its taking customer service so long cause im sure you arent able to verify that they caused your account to overdraft. I 100 percent support this company. They are taking a huge risk by lending people money for free.

Response from Earnin:
02 July 2018 at 11:16

Hey Lindsay! Creating positive experiences is very important to us! Thank you so much for taking the time to give us feedback on your review! :)

9 of 12 people found this review helpful.

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Thursday, October 12, 2017

Wow. I was just about to try it out, but naw....Im good. I'd rather be without than have additional headaches! Geesh! Let me know when this company gets serious.

Response from Earnin:
02 July 2018 at 11:14

Hey Just Tee! We've always been serious, but as a start-up company, we still had to work on smoothing out the edges when we first took off. We've made some major improvements to the app and overall experience and would love for you to give us a shot. If you have any questions or need assistance, our support team is available in-app 24/7, or you can visit our Help Center for more info: https://help.earnin.com/hc/en-us. We want to hear about your experience if/when you try us out! You can either update it here, or send us an email to [email protected] so we can hear from you. Thanks!

9 of 38 people found this review helpful.

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Thursday, October 12, 2017

I've had zero issues. It does what it says. You can only cash out up to 100$ a day and you tip what you think is fair. I have lightning speed so when I need it, it's put in my account immediately. As the sign up dictates, what you borrow it takes on the day you get paid... it's a payday loan without the crazy interest, just a tip if you choose to do one. I imagine most who use this consistently may not be good with budgeting anyway so maybe that is where all the poor reviews come from. Get prism if you need budget help. Active hours... thank you! Always reccomend!

Response from Earnin:
02 July 2018 at 11:10

Hey Jessica! Great advice about Prism for folks that may need help budgeting - we're all about helping people become financially healthy! We're thrilled to hear you enjoy the app, and we sincerely appreciate your support! Feel free to reach out anytime if you have questions or need help. Thanks!

8 of 10 people found this review helpful.

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from Associates

Wednesday, September 27, 2017

This app is great, I've only had couple problems with updating the bank account after a withdraw, but the support service is on top of it right away.

Response from Earnin:
02 July 2018 at 11:05

Hey Jant! Yeah, since we don't have a live connection with your bank, we have to wait for your bank to send us updates. We know waiting can be inconvenient, so we're actually able to manually speed this process up with screenshots! For more info, you can contact support in-app or by emailing [email protected] Thanks for your support!

4 of 8 people found this review helpful.

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Monday, September 25, 2017

I read all these reviews and the case with me is completely different. Everything they have to offer is legit. My only problem was setting up my account took about a week i had some bank verifcation problems but other then that the app is pretty cool. It starts you off with a small 100 dollar daily max but claim it will go up after time.

Response from Earnin:
02 July 2018 at 11:03

Thanks for the positive feedback, Arthur! We're glad to hear you've been enjoying the app! As you already may know, we've done a total overhaul on the app, and customer experience. If you have any questions or suggestions on how we can improve, we're all ears! You can reach us by emailing [email protected] :)

3 of 4 people found this review helpful.

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from Self employed

Tuesday, September 19, 2017

After reviewing all the negative reviews both pn the website and social media..I'll stick with my IN PERSON payday loans.

Response from Earnin:
02 July 2018 at 11:01

Hey Rccaldero! We've made some major improvements to the app and customer experience since you posted this review. We'd like to invite you to try us out! We aren't a payday loan - we don't charge fees or interest, we just ask you to tip what you think is fair. And $0 is always an option no matter how much you cash out. If you have any questions you can contact support in-app, or visit our Help Center here: https://help.earnin.com/hc/en-us. Thanks!

6 of 34 people found this review helpful.

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from Atlas

Monday, September 18, 2017

This app completely ripped me off!!! I'm fighting trying to get my money back. I feel like an idiot! I'm not done with them though they will pay back every penny! Do not fall for this scam people!

Response from Earnin:
02 July 2018 at 10:58

Erica, we can assure you we're not a scam - we currently have an A+ rating with the BBB. We're not sure what you mean when you say you were ripped off. We only debit the amount you choose to cash out in the app, and we don't charge any fees or interest. We'd be glad to chat with you and improve your experience moving forward. You can reach us by sending an email to [email protected] Thanks.

19 of 40 people found this review helpful.

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Monday, September 11, 2017

Way to go for a company!!!one less "future customer"I'm sorry but after reading all these reviews,I've further change my mind!!!sounds too much!hopefully these guys pay back every penny they have took from these people l.....if it wasn't for these reviews I would of been one of them! !!glad I read reviews before choosing!!

Response from Earnin:
02 July 2018 at 10:55

Desmichelle, as a newer start-up company we didn't have all the kinks worked out as soon as we launched. However, since the time you posted this review, we've created some major changes and updates to improve the experience overall. We'd love for you to try us out! If you have any questions, you can visit our Help Center here: https://help.earnin.com/hc/en-us or contact support 24/7. Feel free to reach out anytime and our teams would be happy to assist you. Thanks!

23 of 45 people found this review helpful.

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Monday, September 11, 2017

I will be contacting BBB about you guys as well as my uncle who works with FOX 26 news in Houston Isiah Carey about your company it's so many issues that us consumers need to know before accessing your app and a lot of misleading things as well. Every week it's something new and continuous glitches, crashes, and we entrust you with our banking info and with our funds and you all make so many excuses everyone says different all these unprofessional screenshots for proof, no phone number and communication through social media. No responses for hours, or days. You all have messed over me for the last time and I have been with y'all for almost 3 years giving you business generous tips and all when I have a coworker that I referred who won't even give you guys over a dollar for a tip and I give way over that amount. The nerve of you all to make me suffer the consequences on your mistake how do I close and discontinue my account cause if I'm unable to cash my 300 that is owed to me according to you all I'm done deactivate and close my account. You all have so nerve seriously

Response from Earnin:
02 July 2018 at 10:52

Hello Sharen, thank you for reaching out about the issues you've experienced. We see that support was able to help fix things for you, and we hope to have improved your experience since you posted this. If you have any questions, or need assistance we're here for you. You can either contact support in-app, or reach us by emailing [email protected] Thank you.

33 of 46 people found this review helpful.

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from Teleperformance

Monday, September 4, 2017

I've read the horror story reviews and I'm thinking wow...I've never had any issues with them. The only issue I have is that I would love to increase my daily limit and they haven't increased it after I have been with them for months. They always send me the generic response about how to get an increase...which I'm doing but haven't gotten one. Other than the generic response to that question, their customer service has been fantastic. Fast responses and addressed specific concerns. People have to realize that that this is a free service and it costs a company money to do phone support. Anyway. I have a free feature called "lightning speed" enabled and I get my money IMMEDIATELY. Once you upload your timesheet the available funds are usually reflected within an hour for me. The thing with the bank not automatically updating in the app happens to me too. But I figure it's on my bank's end. So I usually just get into the routine of emailing a screenshot of my direct deposit. That verification does take a few hours typically .... But always within the same day. I've never had any issues with feeling like I've been robbed or cheated by this company. They have been solid. I have referred at least 6 Co workers who all use it now too and no one has had the issues I'm seeing here on the reviews. This service does have the potential to be so much better and even more beneficial for people who need it. Traditional payday loans are absolutely ridiculous.

Response from Earnin:
02 July 2018 at 10:50

Hey Gav! Thanks for leaving such a thoughtful review, we appreciate your support! As for Maxes, we have more info around how they work since you posted this review. You can check out the "Max Info" button from the homescreen in-app, or visit our Help Center here for more info: https://help.earnin.com/hc/en-us/sections/205419567-Maxes.

21 of 25 people found this review helpful.

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from Menards

Monday, August 28, 2017

So a few weeks ago, I downloaded the app, thinking it was a good idea at the time. Uploaded all my info, etc, and went to work. The next day, the app said that I could cash out $87, so I did. But lo and behold, that money was never added to my account. And now, after two weeks when I get my paycheck, the app decided to take out $87 IT NEVER DEPOSITED IN THE FITST PLACE. I need to pay off my student loan and this app just took a good chunk of the money. Terrible app, liars and scumbags.

Response from Earnin:
02 July 2018 at 10:47

Mon, sometimes banks will place a temporary hold on credits if it's the first credit you've received from any company for security purposes. However, you should have received the money within a few business days, unless there was possibly a typo when you entered your routing/account numbers. We want to make sure you've received the money successfully. Please send us an email to [email protected] so we can get this sorted out. Thank you.

43 of 52 people found this review helpful.

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Friday, August 25, 2017

I told this company to close my account since it was taking a week I no longer am going to wait for this. I deleted this icon and I never got any money from them, so this morning five days after telling them to close this account they are trying to go into my account and want me to log into their site with my user name and password. They keep this info so they can take out what ever and when ever they want. they didn't give me any money why try to take money from me. SCAMMING SCUMBAGS that's what Activehours is. BEWARE.

Response from Earnin:
02 July 2018 at 10:43

Eva, we can assure you that we don't store your info nor are we a scam. When deleting the app, that doesn't close your account. Here's a link from our Help Center on how to close your account: https://help.earnin.com/hc/en-us/articles/225951047-How-do-I-close-my-account-. We never debit your account for anything more than you choose to cash out. We'd be happy to help answer any questions you may have about us, you can reach us by emailing [email protected] Thank you.

22 of 31 people found this review helpful.

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from Instacart

Sunday, July 23, 2017

Just plain doesn't work and when you call them you get a message that says "we've paused our phone support" aka we don't take calls because we know our platform is garbage and we're tired of being told as much. This company isn't gonna be around long.

Response from Earnin:
02 July 2018 at 10:40

Hello, we don't take calls for a few different reasons, and you can learn more about that here: https://help.earnin.com/hc/en-us/articles/222364067-Why-doesn-t-Earnin-provide-phone-support-.

Our team is available 7 days a week, you can reach us on FB/Twitter, submitting a ticket in the app, or by emailing [email protected] and we'll help you as quick as possible.

23 of 32 people found this review helpful.

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from FFC

Sunday, July 23, 2017

THE WORST APP EVER DO NOT DOWNLOAD! I am currently dealing with a situation that I am rarely ever in. I found this app and thought it was just great up until last night. Now mind you before I begin this review I have not used my active hours since july 7th because they cut my max pay out which is very annoying. Now we all know how active hours works you upload your time card or it automatically does it for you whatever the case. and when you cash out that money you took is taken ON THE DAY YOU GET PAID! (Pay attention to that sentence there) I cashed out a total of 100 dollars this pay period with Activehours and expected to be taken out of my account on the 24th of this month whch is the day I receive my paycheck. Not only did they charge me 3 day earlier but they over charged me by 15 dollars. My bank account is looking at a negative balance of 108.27. I spotted the mistake right away and contacted them through email. Moving off topic for a bit I have never in my lifeknown a company not to provide their consumers with an active customer service hot line like really? Any way after waiting hours for them to get back to me I am asked to show proof of them charging me early I send in the proof show the overdraft statement. I am then sent an lousy apology and customer service person and shoved to the next idiot to get back to me "Asap as they put it. I have been dealing with this since 3:00am this morning and have had it up to here with their b.s. I am beyond livid and might not be able to make it to an event I had hopes on going to tonight because this sham of a company has the pace of a snail when correcting their mistakes. The flaws in what they told me are a bunch of b.s they know when my payday is and how much I have aken out. Please save yourself the trouble and stay away from this horrid company! You have been warned

Response from Earnin:
02 July 2018 at 10:37

We're so sorry to hear you had such a bad experience, Audrey. We've made many improvements since you posted this review, and we'd like to make things right. Please send us an email to [email protected] so we can chat. Thank you.

53 of 58 people found this review helpful.

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Monday, July 17, 2017

They keep depositing money into my account that I am not requesting and when I get paid they take the money out of my account.

Response from Earnin:
28 June 2018 at 14:31

Hello, Meshia. It sounds like you're enrolled in Balance Shield - which automatically cashes out for you if our system detects your account balance fall under $100. This is in effort to help you avoid any potential overdraft fees. You can turn this off if you'd like, here's a link from our Help Center with info on how to do so: https://help.earnin.com/hc/en-us/articles/219013717-How-do-I-turn-off-Balance-Shield-or-change-my-payment-amount-. Please contact support in-app or by emailing [email protected] for assistance. Thank you.

35 of 38 people found this review helpful.

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from UPMC

Wednesday, July 5, 2017

Why isint there a number to call on the website .. just an email address!! If this is so legit, they should be easily to get ahold of! I got a lot of questions about this company.

Response from Earnin:
28 June 2018 at 14:29

Hey Aj! At Earnin, we’re all about using technology to make things faster and better. Here are a couple reasons why we do all of our support online:

- Often, fixing issues requires sending screenshots or photos. This is easiest when you’re already online.
- Online support keeps all your records in one place. This ensures nothing gets lost in translation if we need to escalate or revisit an old issue.
- Speed speed speed. We promise. We can handle way more support questions online.

In place of phones, we currently offer support through the chat icon in the app, or by email at [email protected] You can check out more info about us by visiting our Help Center here: https://help.earnin.com/hc/en-us. Thanks!

28 of 33 people found this review helpful.

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from Customer

Monday, July 3, 2017

Can someone please let AH know that their customer service sucks and so does their app, are you getting same generic responses over and over and over, "sorry for the inconvenience DM us so they can resolve the issue" but doesn't get a response. Or them claiming that your gps on your phone is basically not on or not working but you know damn well there's nothing wrong with your gps or phone. Here's what I'm noticing with AH, no one gets to a $500 payout, not that I would need that much, but I'm noticing once you do a payout they stop adding hours or they don't count or add hours for weekends. I'M STARTING TO REALIZE THIS COMPANY IS LIKE THEIR CUSTOMER SERVICE....BS. I WOULD BE BETTER OFF GETTING A LOAN. LESS WORK.

Response from Earnin:
28 June 2018 at 14:22

Sammi, we hear you and want to help. There are various reasons you had issues with Automagic Earnings, and we've made some major updates since you posted this. If you'd like assistance, we're here for you. You can reach us by emailing [email protected] and we'll have a specialist look into this for you. Thanks for your patience and understanding.

28 of 32 people found this review helpful.

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from TaskEasy

Monday, June 26, 2017

Worst app EVER they can never sync with my bank but sure as hell have the right account to take back the funds! I have been trying to resolve an issue for 2 weeks and still getting no where!!!!! Customer Service is horrendous and you never talk to the same people. I have had to repeat myself at least 10 and still no resolution! This app and the people running it are absurd

Response from Earnin:
28 June 2018 at 14:17

Danielle, we sincerely apologize for the troubles you experienced, and we want to help. Please send us an email to [email protected] so we can take care of this and improve your experience moving forward. Thank you.

33 of 35 people found this review helpful.

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Saturday, January 14, 2017

BEWARE. DO NOT USE ACTIVE HOURS. I WOULD HAVE BEEN BETTER OFF GOING TO A REGULAR PAYDAY LOAN PLACE. ACTIVEHOURS HAS COST ME OVER $250 ON A $46 LOAN THEY SENT THAT I NEVER REQUESTED.
They claim they are a better alternative. But payday loan places charge u $17 on a $100 advance. They automatically sent me $46 but didn't complete confirmation on it causing over $250 in overdraft fees.
On December 30th I woke up to activehours telling me it was payday even tho their system had my correct payday as Jan 12th. I got this resolved but that night they sent $46 to my account automatically Bc I had the account shield on which transfers funds when you bank account falls below $100. 5 days later I see my bank account as $167 in the negative Bc of three $36 overdraft fees. I call my bank and they say the $46 that was sent never came out of pending Bc it is waiting for confirmation from the merchant. Active hours denies they ever sent it and says the bank must have funded that money in their name which is not only incorrect but impossible as it was after hours being 10:30 at night on a holiday and on the weekend. My bank wasn't even open. What happened was when I got the payday mishap fixed the system must have assumed it was a new pay period and automatically sent me something, allowing it to sent funds that exceeded my pay period max. I had already requested my $100 pay day loan which is the max it would allow. But they sent more automatically that I didn't request. I assumed my payday max increased Bc earlier it said it may go up depending on what I was paid. My pay increases so I thought my max increased. Turns out it was a system error on their part and they are unwilling to accept responsibility and have said they are waiting on my bank to reach out to them. This is a problem they caused and I don't think my bank is allowed to contact them regarding my personal account. Bc they caused this they need to contact the bank to fix it. They say on their website they will cover overdraft fees if they cause them but they are not. So after 7 days I got another extended overdraft fee of $36 causing my bank to be $203 negative. The 12th active hours tried to pull $46, $46, and $8 that I recieve, back from my bank account causing three more overdraft fees totaling $250 in overdraft fees plus the $46 that I used they sent me that was never approved this leaving my account $311 in the negative. I image they are not going to stop trying to pull money from my account and cause more fees.

Response from Earnin:
28 June 2018 at 13:46

Goodness, we're terribly sorry to hear this Kirsti. It sounds like there were some mix-ups with support in offering you the refunds that were due to you from our error. We'd like to take a closer look into what happened, and make sure we get this straightened out. Please send us an email to [email protected] so we can help ASAP. Thank you.

72 of 79 people found this review helpful.

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from Evans

Tuesday, November 22, 2016

I’ve used this app for two months now, and while it does do what it advertises it does there are still some bumps they need to fix. The first time I used it the money was in my account within a few hours, but then when it came to take it back out (a few weeks later) they said the card was invalid… even though they had no problem depositing the money with the same card. Eventually they got it to go through but it took a few weeks. THEN when I tried to use it again it says the account isn’t verified… IT’S THE SAME ACCOUNT THAT WAS USED THE FIRST TIME. So my account is on “hold” while they re-verify my bank account info. If they are going to do this every month it’s not worth the time and aggregation.

Response from Earnin:
28 June 2018 at 13:42

Hello Tricia! We're very sorry to hear about the negative experience you had. We've made some major improvements since you posted this review, and we'd like to invite you to try us out again if you haven't used us recently. We'd love to get your updated feedback and provide assistance. You can reach us by emailing [email protected] so we can chat and help. Thank you!

68 of 82 people found this review helpful.

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This page was last updated 14 October 2018 11:21