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.