Earnin is a financial technology company that offers a mobile app allowing workers to access their already earned pay the minute they leave work, instead of waiting until payday. Users can cash out up to $100 per paycheck, or up to $500 for active users, with no fees or interest charged, but instead asking customers to tip what they think is fair.

Ram Palaniappan

Earnin

EarnIn lets you access your money as you earn it — not days or weeks later.

We’re reimagining the way money moves to make financial momentum accessible to everyone. That starts with payday every day and builds with tools like credit monitoring, automated savings accounts, and low-balance protection. All with no interest, no credit checks, and no mandatory fees. So our customers have as many options as possible to save and spend on their terms.

EarnIn’s pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings. That means:

- 49% can now cover an unexpected expense of $400 since using EarnIn
- 73% can budget more effectively with EarnIn
- 66% have been able to pay bills on time with EarnIn’s help

We’re proud of that impact. Because no one should feel stuck — held back from their ambitions, their life — simply because they can’t access the money they’ve already earned. That’s why EarnIn is here, to help people move forward with the lives they want today and the goals they have for tomorrow.

Join us.

EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc. 

EarnIn

Celebrating #BlackHistoryMonth means celebrating Black success today too. See what Brighter World Creations has making and help build her success with a piece of your own.

Happy Lunar New Year! 🐉 Entering the Year of the Dragon beckons a year of strength, wisdom, and luck.

All of these are qualities that Yvonne Chao, EarnIn’s Director of Public Policy, has brought to us in spades. Here’s what the new year is looking like for her…

Why did you decide to join EarnIn?
I knew my career would never be one where money was the most important part; it must also be mission-driven to fulfill my God-given purpose. When I started my interview process at EarnIn, I knew something was different — people were smart, authentic, customer-centric, and mission-oriented, and the mission was much needed. Five years later, my time at EarnIn has helped me dial up my nuance, empathy, understanding, and connection.

What does the Lunar New Year mean to you? 
Family reunion and new beginnings, with blessings of prosperity, health, and happiness. 

What’s a Lunar New Year tradition that has a special meaning for you and your family? We eat rice balls called “tang yuan” to symbolize togetherness, warmth, and completeness to start the new year. They’re delicious and can be sweet or savory. Common sweet fillings have sesame, red bean, or peanut paste, and savory fillings have salted radish with ground pork, dried shrimp, and dried mushrooms. 

How can AAPI allies help support Lunar New Year celebrations?
Celebrate it with us and take part in the red envelopes! It’s a real New Year’s celebration even if it’s not based on the Gregorian calendar. Respect it and treat it as you would New Year’s Eve, as a time for us to celebrate and spend time with our families.

To celebrate a lucky new year with Yvonne and the rest of EarnIn, check out our careers page for new opportunities: https://bit.ly/48iksmZ

#LunarNewYear #LifeAtEarnIn 

Black history demands year-round attention. Case in point: EarnIn’s Black employee community and our Deputy General Counsel, Simone dos Santos.

Because when history is being made with new financial tools like same-day pay, Black history is being made too. Here’s what Simone had to say… 

What does Black History Month mean to you? 
I believe that Black history is American history and should be recognized all year long, which is what I strive to do and encourage others to do. So for me, this month is more about honoring the contributions of Blacks in the US, as opposed to a month of knowledge sharing, which should happen year-round.

Can you share a figure in Black history who has personally impacted you?  
I often reflect on the story of Frederick Douglass. He was born into slavery, escaped to freedom, and became one of the greatest orators and activists of the 19th century. Ultimately, he composed one of the greatest speeches, What to the Slave Is the Fourth of July? That speech resonates with me and others even today. Frederick Douglass demonstrates to me the power of Black people and the strength of our ancestors. He is an example of our ability to not only overcome the most adverse conditions but to thrive despite man-made obstacles.

To you, how can individuals effectively support Black civil rights and social justice? 
I think by undertaking little acts every day as allies. That means calling out injustice when you see it, speaking with friends who may say or do things that are contrary to the ideals of social justice, and taking opportunities to listen and learn.

Why did you decide to work for EarnIn? 
Having worked on fair lending and Community Reinvestment Act issues for a good part of my career, I’ve always had a passion for working on issues and on teams that are focused on making financial services accessible to everyone. Despite being a for-profit enterprise, EarnIn is truly mission-driven, working to level the playing field between the haves and the hard-working people who represent the backbone of the economy so everyone has opportunities to enjoy life on their own terms, without costly fees, and to handle the hiccups that happen in life, with grace and dignity. The complexity of the work is also rewarding, as is the opportunity to collaborate in a truly global organization. 

To make history with Simone and the rest of the EarnIn team, check our careers page for new opportunities: https://bit.ly/48iksmZ

#BlackHistoryMonth #LifeAtEarnIn 

 It’s not easy to break free from the cycle of debt. According to a recent report, 25% of Americans claimed that holiday shopping from 2022 landed them in debt – and of that group, 35% still haven’t paid off the charges from over a year ago.Tonya Rapley, My Fab Finance Founder and Financial Educator for EarnIn, sat down with Jasmine Browley at Essence to talk about how earned wage access can help consumers get their finances back on track for 2024.

Read more to see what she recommends: https://bit.ly/3Ojll6t

#EarnedWageAccess 

As 2024 kicks into gear, keeping the lessons of the holidays going a little longer can do wonders.

So we chatted with Wenjuan (Jane) Wang, EarnIn’s Financial Planning & Analysis Director, about what hers looked like…

How did you celebrate the arrival of the new year? 
Making dumplings together with my family. In Chinese culture, dumplings signify prosperity and good luck. By doing everything on our own, from making fillings and wrappers to putting them into shapes and cooking them into a delicacy, we enjoy wrapping our very best wishes into dumplings.

Are there any books or podcasts inspiring you in the new year?
I read a book over the holiday called The Psychology of Money. Even though I don’t agree with every point in the book, it does shed light on personal finances and provides life wisdom I find quite enlightening. Filled with stories with perspectives from different angles, from people of different financial statuses, it helped me relate more to our customers and spark new inspirations for my work here at EarnIn.  

What advice or quote would you share as a guiding light entering the new year?
“Nothing is as good or as bad as it looks.” Stay true to yourself and keep going; your faith and hard work will eventually pay dividends.   

What’s your favorite thing about working at EarnIn?
I like how transparent the company is to its employees and to its customers. EarnIn puts trust in the people who work here and aims to build trust with its customers wholeheartedly. That culture of trust and empowerment is unparalleled.     

It’s colleagues like Jane that make that culture tick. To join Jane and see what she means check out our careers page for new opportunities: https://bit.ly/48iksmZ

#LifeAtEarnIn #EarnIn

Metric
Company Name	Earnin
Symbol
MSH ID	COM:EARNIN
Market	PRIVATE
Sector	Financial Services & Finance
Industry	Financial Technology
Country	US
Stage
Employee Count	416
Website	earnin.com
LinkedIn	earnin
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COM:EARNIN

Earnin

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