Is EarnIn App Legit?

Positive

5%

Negative

95%

Many users express frustration with the EarnIn app's subscription cancellation process, describing it as cumbersome and unresponsive. Several reviews mention difficulties in closing accounts, with some users reporting unauthorized charges even after attempting to cancel. The lack of effective customer support exacerbates the issue, as users often find themselves stuck in endless loops of automated responses without resolution. This has led to a negative sentiment, with users feeling trapped and dissatisfied with the service.

App reviews talking about Subscription Cancellation:

"...impossible to close the account when you want they send you in circles..."

"WARNING: Do not use this app. They will make it impossible for you to close your account..."

"...tried closing my account they won't let me it says that I have a direct deposit account open..."

Positive

16%

Negative

84%

Many users express frustration with EarnIn's bank compatibility, particularly with popular online banks like Chime and Varo. The app's inability to support these banks has left numerous users unable to access its services, despite these banks being widely used. Additionally, some users report issues with the app not recognizing direct deposits if they are made into savings accounts or if they are not from traditional direct deposit methods. This has led to a negative experience for many, as they feel the app's limitations are not clearly communicated upfront, resulting in wasted time and effort.

App reviews talking about Bank Compatibility:

"...they don’t work with my bank. This was only revealed after I entered my bank info 5 separate times..."

"Doesn't have Chime? CHIME one of the largest cards out there now and you can’t use it..."

"...I used to rely on EarnIn, but they completely failed me once my employer switched from direct deposit to paper checks..."

Positive

21%

Negative

79%

Many users express significant concerns about the security and privacy of the EarnIn app. A recurring theme is the app's requirement for extensive personal information, including bank statements and social security numbers, which some users find excessive and intrusive. There are also complaints about the app's use of GPS to track location, which is mandatory for borrowing. Several users report issues with fraudulent activity, such as unauthorized bank account linking and money theft, leading to a strong sentiment of distrust. Additionally, technical issues like account access problems and verification failures further exacerbate users' frustrations, making them question the app's reliability and security.

App reviews talking about Security & Privacy:

"...allowed someone to fraudulently link my bank account..."

"I wouldn’t use this app very misleading and it uses your GPS to monitor your location..."

"...asks for way too much private information..."

Positive

22%

Negative

78%

Many users complain about the EarnIn app's stability, with frequent reports of the app crashing, freezing, or failing to load entirely. A common issue is the app logging users out repeatedly, displaying a 'session expired' message, and creating a frustrating loop that prevents access. Several users mention that these problems began after recent updates, and despite attempts to reinstall the app or restart their devices, the issues persist. This has led to significant dissatisfaction, especially for those relying on the app for urgent financial needs.

App reviews talking about App Stability:

"...the app hasn’t been working for a few hours now, and the one time I use and actually really need it, it’s not working at all..."

"...I keep getting service issues about logging in. It tells me to login then the page refreshes and says session timed out..."

"...app is always crashing so after 2 days of trying I almost don't want to use it anymore..."

Positive

33%

Negative

67%

Many users express frustration with EarnIn's advertising, feeling misled by the app's promises. A common complaint is that the app advertises features like a $150 cash out or the ability to borrow every pay period, which users claim are not actually available. Additionally, the new coworker boost feature is criticized for being invasive, as it requires users to involve coworkers in their financial matters, which many find uncomfortable and unnecessary. Some users also mention that the app's requirements, such as needing direct deposit, are not clearly communicated upfront, leading to disappointment and inconvenience.

App reviews talking about Advertising Accuracy:

"...the app is giving people 100 a day but requesting a lump sum pay back which make no sense unless it’s gaining interest..."

"...Earnin also says it works with cashapp! But it’s a lie, straight waste of time..."

"Don't believe what they advertise, they will ask for all your info and bank connection before they offer any money which they likely won't."

Positive

35%

Negative

65%

Many users express frustration with EarnIn's approval process, particularly after recent updates. A common complaint is the new requirement to get a 'boost' from coworkers, which many find uncomfortable and intrusive. Users also report issues with verification, especially for those working from home or without traditional pay stubs, leading to denied access to funds. Some long-time users feel the app has become less reliable, with unexpected changes to pay schedules and withdrawal limits causing financial strain. Overall, the sentiment is negative, with users feeling let down by a service they once trusted.

App reviews talking about Approval Process:

"...now with the new update. Only your coworkers can boost you. Which is uncomfortable..."

"...because my GPS doesn’t show me at a job and I don’t have timesheets..."

"...they refused to accept me under 'we cant see consistent dates so we cant set up your account.'"

Positive

48%

Negative

52%

Customer support is reported to be a mixed bag for EarnIn users. While some praise the quick and helpful responses, others express frustration over long wait times and unhelpful interactions. Many users complain about the lack of phone support and reliance on chat, which often leads to unresolved issues or automated responses. There are also reports of customer service being unable to address problems like incorrect debit dates, causing overdraft fees. Overall, the sentiment leans negative, with users feeling unsupported during critical financial situations.

App reviews talking about Customer Support:

"...EarnIn’s support is a joke. They make you jump through hoops for nothing..."

"...Been trying to reach out to support for hours no response..."

"...It is impossible to close the account when you want they send you in circles to close it..."

Positive

49%

Negative

51%

Many users express frustration with EarnIn's repayment terms, particularly the inability to repay advances early and the app's tendency to withdraw funds before the scheduled payday. This has led to overdraft fees and financial strain for some users. Several reviews mention that the app does not allow flexibility in repayment schedules, often withdrawing funds on a weekly basis even if users are paid bi-weekly. Additionally, some users report that the app debits their accounts earlier than expected, sometimes days before their paycheck, causing unexpected financial issues. While a few users appreciate the app's straightforward repayment process, the overall sentiment is negative due to these repayment issues.

App reviews talking about Repayment Terms:

"...the app doesn’t let you pay your balance earlier..."

"...they make the payments due dates days before you get your paycheck..."

"...this app has repeatedly withdrawn payment early..."

Positive

58%

Negative

42%

Opinions are mixed when it comes to the loan amounts offered by EarnIn. Many users appreciate the app for providing quick access to cash when needed, with some reporting increases in their borrowing limits over time. However, a significant number of users express frustration over inconsistent loan amounts, with limits being reduced unexpectedly despite timely repayments. Some users are also dissatisfied with the daily withdrawal limits, which they find restrictive. Overall, while the app is praised for its convenience, the variability in loan amounts and withdrawal limits is a common point of contention.

App reviews talking about Loan Amounts:

"...decreased my max pay down to 50 instead of my normal 100$..."

"I’ve had it several pay cycles and always pay it back on time, however my amount to borrow keep dropping lower..."

"...only allows a certain amount a day, so if you are taking money every day because you need it..."

Positive

65%

Negative

35%

Opinions on EarnIn's tipping system are mixed. Some users appreciate the flexibility of choosing their own tip amount, praising the app for not imposing mandatory fees like other cash advance services. They find the tipping system fair and a way to support the service that has helped them in financial binds. However, others feel coerced into tipping, suggesting that not tipping might affect their borrowing limits. This has led to frustration, with some users expressing dissatisfaction over the perceived pressure to tip in order to maintain or increase their cash advance limits.

App reviews talking about Tip Requests:

"...coerce you into tipping..."

"I like that they give you the option to tip instead of forcing you to tip..."

"...you can choose to tip the service. no hidden monthly fees like other apps..."

Positive

71%

Negative

29%

Opinions on EarnIn's fees and costs are mixed. Many users appreciate the app for its low fees compared to traditional payday loans, highlighting the absence of hidden charges and the option to tip instead of mandatory fees. However, some users express frustration over increased fees for instant transfers and the perception that the app's policies have become more restrictive over time. While some find the fees reasonable for the convenience offered, others feel that the costs can add up, especially if the app's repayment schedule doesn't align with their paychecks.

App reviews talking about Fees & Costs:

"...fees are for if u want your money in minutes or you will have to wait 1-3 days..."

"I like the tip system because it doesn't force upon you a fixed fee..."

"...you MUST pay a 3.99 fee for every transfer unless you want to wait 2-3 business days..."

Positive

91%

Negative

9%

Users praise EarnIn for its positive impact on financial education, highlighting its ability to help manage budgets and improve financial decision-making. Many appreciate the app's features, such as tracking credit scores and offering financial tips, which contribute to better financial health. However, some caution against becoming too reliant on the app, as it can lead to a cycle of borrowing. Overall, users find it a valuable tool for financial management, especially in emergencies.

App reviews talking about Financial Education:

"...learn to use it effectively and it has helped me manage my budget better..."

"Great app..When you struggle to save money and have funds which need to be allocated for bills..."

"...it's really easy to get yourself stretched out financially thin, so I wouldn't get it unless you have some financial self control..."

Positive

95%

Negative

5%

Users praise EarnIn for its fast and reliable funding speed, often highlighting how quickly they can access cash when needed. Many reviews mention the app's ability to provide instant transfers, sometimes within minutes, which is a lifesaver during emergencies or when funds are tight before payday. The app's ease of use and the option to pay a small fee for immediate access are appreciated, with several users noting that the service is more affordable compared to traditional payday loans. Overall, the sentiment is overwhelmingly positive, with users expressing gratitude for the app's convenience and efficiency.

App reviews talking about Funding Speed:

"...money came in 1 minute..."

"I get my check faster then I expect..."

"...money within minutes and no embarrassing declines..."

Positive

97%

Negative

3%

Users praise EarnIn for its ease of use, highlighting its straightforward setup and quick access to funds. Many find the app convenient and reliable, especially in financial emergencies, with several users noting that it is easier to navigate compared to similar apps. The app's user-friendly interface and efficient customer service are frequently mentioned as standout features. While most reviews are positive, a few users experienced issues with app crashes or difficulties during the sign-up process, but these seem to be exceptions rather than the norm.

App reviews talking about Ease of Use:

"...super easy to use and you can get the money instantly..."

"The app is fast and easy to use..."

"...easy to use and helps in between pay periods..."

Positive

99%

Negative

1%

Users praise EarnIn for its reliability and consistent availability when they need quick cash advances. Many reviews highlight how the app has been a lifesaver in emergencies, providing fast and dependable service without the high fees associated with traditional payday loans. The app is often described as a trustworthy backup for those living paycheck to paycheck, with several users noting its ease of use and the helpfulness of customer service. While a few users mention occasional issues with pay stub verification, the overall sentiment is overwhelmingly positive, with EarnIn being a go-to solution for financial shortfalls.

App reviews talking about Reliability:

"...this app is absolutely heavensent!! It's definitely saved me on several occasions..."

"Very fast easy and reliable! Immediately recommended!"

"...always there when I need them with no issues"