EarnIn Reviews: Complaints & Concerns

Positive

8%

Negative

92%

Many users complain about the difficulty of canceling their EarnIn accounts. They report a cumbersome process that often involves unresponsive customer support and unnecessary hurdles. Some users mention unauthorized charges even after attempting to cancel their accounts, leading to frustration and financial inconvenience. The sentiment is overwhelmingly negative, with users feeling trapped and misled by the app's cancellation process.

App reviews talking about Subscription Cancellation:

"...canceling the account is unnecessarily difficult and not user-friendly at all..."

"...App won't allow me to access the settings to close my account..."

"...I literally just want to CLOSE MY ACCOUNT and nothing is working..."

Positive

9%

Negative

91%

Many users express frustration with EarnIn's bank compatibility, particularly its inability to support popular online banks like Chime, Varo, and Cash App. This limitation is a significant barrier for those who rely on these digital banking services, as they find themselves unable to connect their accounts or access the app's features. Additionally, users report frequent disconnections and issues with the Plaid integration, which often requires them to repeatedly reconnect their bank accounts. The sentiment is overwhelmingly negative, with many users feeling that the app's bank compatibility issues make it unusable for their needs.

App reviews talking about Bank Compatibility:

"...doesn't support Chime..."

"...does not work with any of the banks I have..."

"...keeps saying connect my bank..."

Positive

9%

Negative

91%

Many users complain about the EarnIn app's stability, highlighting frequent crashes, glitches, and connectivity issues, especially when trying to link bank accounts or cash out. The app often freezes or fails to load, leaving users stuck in loops or unable to proceed past certain screens. Some users report that the app disconnects from their bank accounts regularly, causing frustration and making it unreliable for urgent cash needs. Despite these issues, a few users mention that when the app does work, it is helpful, but the overall sentiment is negative due to the persistent technical problems.

App reviews talking about App Stability:

"...the app doesn’t open after new update..."

"...app never opens..."

"...app just freezes at opening..."

Positive

21%

Negative

79%

Many users express serious concerns about the security and privacy practices of the EarnIn app. A common complaint is the app's invasive data collection, requiring extensive personal information, including bank details, social security numbers, and even location tracking. Users report feeling uncomfortable with the app's demand for such data, fearing it may be sold or misused, as some have experienced increased spam calls and emails after using the app. Additionally, there are reports of unauthorized transactions and difficulties in removing personal information from the app. Overall, the sentiment is overwhelmingly negative, with users advising caution and expressing distrust towards the app's handling of sensitive information.

App reviews talking about Security & Privacy:

"...they added a feature that will only give you a cash advance if it tracks where you are at all times..."

"...the app sold my information I’m getting a lot of toll free calls..."

"...be prepared to give them your bank information, your employer information, your direct deposit information, your address your phone number, your Social Security number..."

Positive

23%

Negative

77%

Many users express frustration with EarnIn's advertising, describing it as misleading and not delivering on its promises. A common complaint is the app's claim of providing early access to paychecks, which users find inaccurate as they often receive funds only slightly earlier than usual or not at all. Additionally, users are disappointed with the fluctuating cash-out amounts and the app's failure to provide immediate access to advances, contrary to what is advertised. Some users also mention unexpected repayment schedules that lead to overdraft fees. Overall, the sentiment is negative, with users feeling deceived by the app's advertising claims.

App reviews talking about Advertising Accuracy:

"...wording makes it seem like you can pull around 100 a day when you set up live pay. nope. it's around 100 per pay period..."

"...advertise getting $$ when you need it before payday but the verification process forces you to wait until payday..."

"...they advertise if you have the app you can get your paycheck 2 days early. BS..."

Positive

29%

Negative

71%

Many users express frustration with EarnIn's approval process, citing issues with verifying employment and direct deposit requirements. Several reviews mention that the app demands excessive information, such as work emails or GPS tracking, which is problematic for those who work from home or have non-traditional jobs. Users also report inconsistencies in approval amounts and difficulties in getting advances despite meeting the app's requirements. The sentiment is largely negative, with many feeling misled by the app's promises of quick cash advances.

App reviews talking about Approval Process:

"...they have you switch you deposit so therefore you can’t get help..."

"...app would not letting me pass the setup phase..."

"...they said I couldn't get advances anymore because I get paid multiple times a week..."

Positive

47%

Negative

53%

Many users appreciate that EarnIn does not require a subscription fee, which sets it apart from other cash advance apps. They highlight the absence of mandatory fees and the option to tip instead, which is seen as a positive aspect. However, some users report unexpected charges and issues with unauthorized fees, expressing frustration over being charged without consent or clear instructions on how to stop these charges. The sentiment is mixed, with some praising the app's flexibility and others warning about potential hidden costs.

App reviews talking about Subscription Model:

"...no subscription fees! Plus you are allowed to take the whole amount all at once or in smaller increments..."

"...no forced fees, no subscription for basic plan..."

"...charged me a monthly service over 700 dollars..."

Positive

48%

Negative

52%

Customer support for EarnIn receives mixed reviews, with many users expressing frustration over unhelpful and automated responses. Several users report issues with incorrect payment dates, account access problems, and a lack of resolution from support staff. Some users feel that the support team relies too heavily on scripted responses and fails to address individual concerns effectively. However, there are also positive reviews highlighting instances where customer service was prompt and helpful, resolving issues quickly and efficiently. Overall, the sentiment leans negative, with many users dissatisfied with the level of support provided.

App reviews talking about Customer Support:

"...they have a support team that literally gets your name wrong and will just send automated messages..."

"...customer service was zero help..my account is in the negative now because of this unexpected early charge..."

"...customer service is great though. they explained the situation well and kindly..."

Positive

48%

Negative

52%

Many users express frustration with EarnIn's repayment terms, particularly the app's tendency to withdraw funds earlier than the scheduled repayment date. This has led to unexpected overdraft fees and financial strain for some users. While some appreciate the app's convenience and the ability to repay automatically, others feel trapped in a cycle of borrowing and repaying, with complaints about the lack of flexibility in extending repayment dates. Despite these issues, a few users find the app helpful in emergencies, provided they manage their finances carefully.

App reviews talking about Repayment Terms:

"...they took the payment out of my account on the 19th! 3 days early!!!..."

"...they autodrafted my repayment this morning and dropped my amount to $50!..."

"...they will take the repayment 2 days sooner than they say they will..."

Positive

62%

Negative

38%

Opinions are mixed when it comes to the fees and costs associated with EarnIn. Many users appreciate the absence of monthly fees and find the app's fees reasonable compared to traditional payday loans. However, some users express frustration over the instant transfer fee, which can be as high as $5.99 per transaction, and the expectation to tip, which they feel is an unnecessary additional cost. There are also complaints about the app reducing withdrawal limits without explanation, which forces users to incur more fees. Despite these concerns, others find the app's transparency about fees and the optional nature of tips to be a positive aspect.

App reviews talking about Fees & Costs:

"...charge fees and “tips” that are highly deceitful..."

"...only added cost is the $5.99 for instant transfer..."

"...fees are reasonable and tips are optional..."

Positive

64%

Negative

36%

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 praising the app for increasing loan limits over time as trust is built. However, a significant number of users express frustration over inconsistent and often decreasing loan limits, despite maintaining good repayment records. Some users report that their maximum cash out amounts have been reduced without clear explanations, leading to dissatisfaction. The app's daily borrowing limit, often capped at $150, is also a point of contention for those needing larger sums. While some find the service helpful in emergencies, others feel the limitations and fees make it less appealing.

App reviews talking about Loan Amounts:

"...they changed my daily payout to $100/day instead of the normal $200..."

"I was impressed with the app at first but then it would drastically change my cash out amount..."

"...my max has gone from $500 to $450 to $350..."

Positive

83%

Negative

17%

Users generally appreciate EarnIn for its ability to prevent overdraft fees and provide financial support during tight situations. Many users highlight the app's effectiveness in offering a financial cushion, allowing them to manage their finances better and avoid overdraft charges. However, some users have experienced issues with the timing of withdrawals, leading to unexpected overdrafts. While some users report that EarnIn reimburses overdraft fees, others express frustration over the app's inability to assist when their accounts are already overdrawn. Overall, the sentiment is positive, with many finding the app a reliable backup in emergencies.

App reviews talking about Overdraft Protection:

"...helps control those ridiculous overdraft fees and very low fee for advance..."

"...they overdrafted my bank and without my asking, paid me the over draft charge to compensate..."

"...they even automatically add funds to your bank at a dollar amount of your choosing so you don't overdraft!"

Positive

93%

Negative

7%

Users praise EarnIn for its fast and reliable funding speed, often highlighting how quickly they receive cash advances when needed. Many reviews mention that the app provides funds almost instantly, which is a lifesaver in emergencies or when waiting for payday. The app's ease of use and the option for instant transfers, albeit with a small fee, are appreciated by users who find it convenient and efficient. While most feedback is positive, a few users express dissatisfaction with delays in receiving funds or issues with direct deposit timing. Overall, the sentiment is overwhelmingly positive, with users valuing the app's ability to provide quick financial relief.

App reviews talking about Funding Speed:

"...Quick and easy and fast process I’m pleased 😁"

"Easy.Fast.Friendly - Times are hard and this app has got me out of a lot of pickles!"

"...I received a reasonable cash advance and it was sent to my account within seconds!"

Positive

94%

Negative

6%

Users praise EarnIn for its financial education benefits, highlighting its role in building financial awareness and credit. Many appreciate the app's transparency and the absence of high-interest charges, which makes it a preferred choice over other cash advance apps. The app is noted for providing helpful financial tools and tips on spending and savings, which users find informative and easy to navigate. While some caution against becoming dependent on cash advances, the overall sentiment is positive, with users recommending it for its educational value and ease of use.

App reviews talking about Financial Education:

"...helps to build financial awareness while helping those who qualify with bridge funds..."

"LOVIN This App The Financial backing+ Credit Building And Tips on Spending& Savings! 💯"

"...helps a person like myself that is financially literate I just can't keep up with the pace of the demands of the economy..."

Positive

94%

Negative

6%

Users praise EarnIn for its ease of use, highlighting the app's straightforward setup and quick access to funds. Many appreciate the simplicity of the process, with several users noting that they received money within minutes of setting up their accounts. The app is often described as a lifesaver, especially in financial emergencies, and users find it reliable and convenient. While the majority of feedback is positive, a few users mention initial setup challenges or issues with specific features, but these are outweighed by the overall satisfaction with the app's functionality.

App reviews talking about Ease of Use:

"...quick and easy advances for days when you are running a bit low on cash..."

"Easy to use and as long as your working you can borrow..."

"...fast and easy, I got approved for 75$ AWESOME!!!🥳"

What do EarnIn users complain about?

On this page

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Scam reports

Overdraft reports

What users say on other topics

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