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Is EarnIn Legit? The Only Truth in Our Review

Is EarnIn Legit? An In-Depth EarnIn App Review

What is EarnIn?

EarnIn is a mobile app that allows users to access their earned wages before their scheduled payday. It is an earned wage access (EWA) app designed to provide quick and easy access to a portion of your paycheck ahead of time. 

EarnIn Sign Up

With EarnIn, users can cash out up to $100 per day or $750 per pay cycle. The money is transferred directly to your connected bank account usually within minutes or up to 3 business days depending on the transfer type selected.

When payday arrives, EarnIn automatically deducts the amount you cashed out from your paycheck. So essentially, EarnIn allows you early access to money you have already earned from working but have not yet been paid for. This can be useful for those needing quick access to funds in an emergency or to pay bills that may be due before your scheduled payday.

EarnIn Payment Methods

To use EarnIn and cash out your earnings, you need to connect a valid U.S. checking account. EarnIn does not work with prepaid, savings accounts, or non-U.S. bank accounts. Once your bank account is linked, you can request a cash out from the EarnIn app. The money will be transferred directly to your connected checking account either instantly via Lightning Speed transfer or within 3 business days. Lightning Speed transfers cost a fee but allow near instant access to your funds. Standard 3 day transfers are free but take longer.

When payday comes around, EarnIn automatically deducts the total amount you cashed out from your bank account so you essentially pay back what you borrowed. The fees for Lightning Speed transfers vary but are typically around $3 per transfer. If you use EarnIn often, these fees can add up over time and reduce the overall benefit. However, for occasional or emergency use, the fees may be worth it for quick access to your funds.

EarnIn Earning Potential

The EarnIn app itself does not offer any earning opportunities. You cannot actually earn money directly through the app. Instead, EarnIn allows access to wages you have already earned from your job prior to payday. So the earning potential depends entirely on your existing wages. You can cash out up to $100 per day or $750 per pay cycle. So your earning potential is limited to those amounts.

EarnIn will not provide any additional income on top of what you already earn from your job. It simply allows quicker access to a portion of the wages you have already earned. The amounts you can cash out may be useful in a pinch but will likely not provide a significant source of income on their own for most users.

EarnIn Platform

EarnIn is only available as a mobile app. There is no desktop version. It can be downloaded for free on both iOS and Android devices. Being mobile-only allows EarnIn to avoid potential security risks associated with accessing sensitive financial information on shared or public computers. The EarnIn app has a simple and user-friendly interface that allows you to quickly request and receive transfers 24 hours a day, 7 days a week.

However, some users may prefer to access financial services from a desktop computer. The mobile-only platform could be a downside for those who do not feel as comfortable managing money from their smartphone. But for many, the convenience of the EarnIn mobile app likely outweighs any preference for desktop access.

How to Join EarnIn

To join EarnIn, you must:

  • Be at least 18 years old
  • Have a U.S. checking account
  • Own a U.S. mobile phone number
  • Have a consistent pay schedule
  • Provide proof of income

You start by entering your mobile number on the EarnIn website to get a download link for the app. After downloading, create an account and connect your bank account. You'll need to verify your identity and provide proof of income such as an employer email, timesheet, or if you work at a fixed location EarnIn can verify your income using your location data.

The eligibility criteria for EarnIn are quite strict. Not all individuals will qualify to use the app. You must have a steady job or source of income, a checking account, and be willing to provide personal information to verify your identity and income. If you do not meet these standards, you will not be able to access early pay from EarnIn.

Pros and Cons

Here are the main pros and cons of using EarnIn:


  • Easy access to earned wages before payday
  • Quick direct bank transfers
  • User-friendly app

For those who qualify, EarnIn provides a simple way to access your own earned wages ahead of schedule. The mobile app is straightforward to use and money can be transferred to your account within minutes. This speed and convenience are the biggest benefits of using EarnIn.


  • No way to earn money directly
  • Strict eligibility requirements
  • Lightning Speed transfers have fees

The downsides to EarnIn primarily come down to their limited functionality and strict access policies. You cannot earn any additional income through EarnIn and not all individuals will qualify to use the app. The fees charged for instant transfers also reduce the benefit for some. For those able to use EarnIn for free standard transfers, the pros likely outweigh the cons. But for frequent or high-volume use, the fees can add up quickly.


Overall, EarnIn provides a legitimate way for eligible users to access wages early before payday. However, it does not offer any active earning opportunities. If you need quick cash before payday, EarnIn can be useful. But if you are looking to earn extra money generally, you'll need to look elsewhere.

EarnIn is easy to use if you qualify, but has strict requirements. The fast cash outs are convenient but can be costly. For most people seeking extra income, EarnIn will not be the ideal solution. But for those with steady employment and an occasional need for quick access to earned wages, EarnIn provides a simple and legitimate option.

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