Cash Advance Apps
EarnIn

EarnIn reviews: complaints & concerns

By Editorial Team
Last Updated: Jun 13, 2025

EarnIn has an average lifetime rating of 4.7 on the App Store and Google Play store, and it maintained this rating in May 2025 with user reviews also averaging 4.7. Some users did voice complaints about various aspects of the app though. Read on to discover these complaints, common concerns, and more.

What do EarnIn users complain about?

Out of hundreds of user reviews published in mid-2025, here are some of the biggest frustrations shared:

  • Doesn't support popular banks: Many users are frustrated that EarnIn still doesn't work with major banks like Chime and Varo.
  • Poor customer service: Numerous users complain about unhelpful or unresponsive support, making it difficult to resolve issues.
  • Technical issues: Several users report problems like locked accounts, app crashes, or slow loading times.
  • Unexpected early withdrawals: Some users mention that EarnIn withdraws repayments before the agreed date, causing overdrafts.
  • Decreasing cash-out limits: Users are unhappy that their cash-out limits keep decreasing despite timely repayments.
  • Bank connectivity problems: Issues with Plaid and bank connections prevent users from accessing their funds.

Overall, the lack of bank support and technical glitches seem to dominate the dissatisfaction among EarnIn users.

App reviews talking about Complaint:
"...Pulls money out your bank days before you owe..."
"...they caused my checking to go into the red..."
"...lowered my available funds even after I made all my payments on time..."

Table of contents

What do EarnIn users complain about?Scam reportsOverdraft reportsWhat users say on other topicsComplaints about EarnIn

Scam reports

Even though EarnIn is a legit company, we found 9 reviews published recently describing the service as scammy (for context, this is out of hundreds we analyzed). About 6 explicitly call the service a “scam”, “frauds”, or “crooks” while others report unauthorized withdrawals or technical issues that make them feel similarly deceived.

Some users express concerns about overdraft charges, unexpected account issues, or difficulties with customer service. A few mention problems with bank connectivity or being targeted for experiments without consent.

The overarching theme is that people feel tricked or financially harmed, often pointing to unauthorized charges, account problems, and an inability to get help from customer service.

App reviews talking about Scam:
"...this app is a SCAM and not worth the hassel..."
"...They 100% will overdraft you..."
"...Beware of this app. They will withdraw money from your account without your consent..."

Overdraft reports

We found nine overdraft-related complaints about EarnIn. Most users reported that the app withdrew funds before their scheduled repayment date, leading to negative balances and overdraft fees.

Several users mentioned that customer service was unhelpful when they tried to resolve these issues. Some claimed they were unable to reschedule repayments to prevent overdrafts, and a few alleged unauthorized withdrawals from their accounts.

A couple of users expressed frustration over unexpected charges and accused the app of being dishonest. One user noted that when their account was too negative, they couldn't transfer funds, which led to a $20 fee.

App reviews talking about Reported Overdraft:
"...they caused my checking to go into the red and claimed they could not rescheduel the time it comes out..."
"...They 100% will overdraft you. They tell you to talk to the bank but the bank can't help..."
"...they took the 60 dollars back and left my account in the negative..."

What users say on other topics

Positive
29%
Negative
71%
Many users complain about EarnIn's limited bank compatibility, particularly its inability to connect with popular banks like Chime and Varo. This is a significant issue for users who rely on these banks, as they find the app unusable without support for their accounts. Additionally, some users express frustration with the app's reliance on the Plaid platform, which they claim does not support all banks and causes frequent disconnections. The sentiment is overwhelmingly negative, with users feeling let down by the app's bank integration capabilities.
App reviews talking about Bank Compatibility:
"...NO CHIME - Don’t bother if you have Chime. They won’t work with them."
"Doesn’t accept Chime STILL - Come on it’s 2025 chime is a majorly used bank..."
"...unless you have one of those big time name banks, it won't work."

Complaints about EarnIn

In November 2024, the Attorney General of the District of Columbia filed a lawsuit against EarnIn for allegedly misleading over 20,000 consumers with illegal high-interest loans. EarnIn was accused of falsely advertising its cash advances as having "no mandatory fees" and "no interest," while charging "Lightning Speed" fees that led to effective interest rates over 300%, far exceeding the legal limit in DC.