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.
★★★★★
Tuesday, March 31, 2020
“The app works well. Been a customer for a year…”
The app works well. Been a customer for a year or more , just ran into a problem due to work issues during the coronavirus. Chat session was rude, disrespectful without resolving the issue. There will be plenty of issues during the worse time we've seen in the world and earnin could be more helpful and understanding during this time I have no choice but to see what happens
★★★★★
Tuesday, March 24, 2020
★★★★★
Tuesday, March 24, 2020
“It truly disappoints me to write such a Negative review.…”
It truly disappoints me to write such a Negative review. I've used this app for many many months and I've never had a problem and when I did all I needed to do was send a screenshot of my deposit and things balance to the company. But, when I need them the most during this pandemic they cannot be honest with me. I have spoken to several almost five different associate to a fed me the same line I do not appreciate this and it makes me sad that when I needed you the most you weren't there. I will be informing my friends and family that this is a horrible company when you really need them but apparently really good when they need you watch out nothing is free free remember that.
★★★★★
Monday, March 9, 2020
“I used this app for awhile and it was fine…”
I used this app for awhile and it was fine at first, but they decrease your max without warning. I did everything right. My bank account was always positive, I tipped regularly, and I had the balance shield turned on, but none of that mattered. They decreased it anyway. Customer service is a joke. You can never get a straight answer from these people, and the GPS tracking for work was never accurate. Some days it would say I didn't work when I was clearly at work so I would upload a timesheet for them to verify and it would never get verified. It's good for in a pinch, but never for long term use. I don't trust it and I never liked the idea of them having so much of my personal info and bank info. Seems shady. I'm glad my account is closed and I will never use them again. Good riddance!
★★★★★
Thursday, February 13, 2020
“Earning was a breeze to use at the first but…”
Earning was a breeze to use at the first but the constant decreases in the max without notifying you is insane. One representative told me that your max decreases if your bank is overdrawn which I have never been overdrawn. Another rep. said if you don’t tip that’ll decrease your max. Another rep said if your payday fluctuates that’ll decrease your max. The customer service representatives give false information. They urge you to tip but if you don’t tip they decrease your max without your knowledge.
★★★★★
Thursday, February 13, 2020
“I have waiting more than a week for a connection…”
I have waiting more than a week for a connection issue. Customer service does not know anything. Their IT must be on vacation and they keep saying it is my bank which I confirmed with them it is not. About to delete and move on.
★★★★★
Wednesday, February 5, 2020
“I liked Earnin at first! But now I am very…”
I liked Earnin at first! But now I am very dissatisfied. They keep decreasing my max every single pay period for no reason!! They always get the money back that they loan me every pay period so I don't get the issue. I'm definitely closing my account.
★★★★★
Wednesday, January 29, 2020
“DO NOT USE THIS APP!! I have had nothing but…”
DO NOT USE THIS APP!! I have had nothing but problems & issues since July. Earnins is not helpful. They representatives are not helpful & make excuses as to why you can not access funds. They have no problems or issues taking the money back you barrowed. Your max allowed to barrow decreases with every pay check leaving you in a bad situation. I am deleting this app DO NOT RECOMMEND THIS APP. It is better to just go to payday loan ace. At least you know you can get back what you barrowed on a constant bases
★★★★★
Sunday, January 19, 2020
“This company is unprofessional! They take money out when your…”
This company is unprofessional! They take money out when your pay day changed after you already spoke with somebody about changing your pay day. They give false information such as telling you that they will refund the money but never do. Take money out and leaves your account negatives after you told them your paid day changed. The customer service is no help. This company sucks! Worst experience ever! I give them NO STARS!
★★★★★
Thursday, January 16, 2020
“HORRIBLE! About 2 days before my pay date they send…”
HORRIBLE! About 2 days before my pay date they send a message that they are decreasing my withdrawal limit. This has been happening for months. Never been overdrawn, they always receive there money on payday. NEVER anything bad on my part. So I tested the waters to see if they would do it again. Mind you I have money in the bank and my accounts are not overdrawn. THEY DID IT AGAIN!! This concept is a sham. I guess they punish people like me who do whats right and pay on time to cover for the idiots who don't. THANK GOD I will never has to use this service again. BEWARE they are sneaky and deceptive..the account is NOW closed.
