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.
★★★★★
Sunday, July 23, 2017
“THE WORST APP EVER DO NOT DOWNLOAD! I am currently…”
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
★★★★★
Monday, July 17, 2017
“They keep depositing money into my account that I am…”
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.
★★★★★
Wednesday, July 5, 2017
“Why isint there a number to call on the website…”
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.
★★★★★
Monday, July 3, 2017
“Can someone please let AH know that their customer service…”
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.
★★★★★
Monday, June 26, 2017
“Worst app EVER they can never sync with my bank…”
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
★★★★★
Saturday, January 14, 2017
“BEWARE. DO NOT USE ACTIVE HOURS. I WOULD HAVE BEEN…”
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.
★★★★★
Tuesday, November 22, 2016
“I’ve used this app for two months now, and while…”
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.
