By Editorial Team
Last Updated: Nov 13, 2025
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We went over the latest 1100 EarnIn app reviews in November so you don't have to, and summarized them to tell you what users really think! 🧐
EarnIn shows a solid 4.7 lifetime rating pulled from 640k+ combined App Store and Google Play reviews. More recent feedback is a bit cooler, averaging 4 in reviews posted up to November 2025. Below, we’ll dig into what users highlight as wins, the pain points they flag, and how those comments stack up over time.
4.7
641K Reviews
Google Play
4.7
277K Reviews
iOS App Store
4.8
364K Reviews
On this page
Table of contents
Users say
Most folks like how fast EarnIn drops money—often in minutes—and that you can choose to tip or just pay the $3-$7 “Lightning Speed” fee instead of interest. Max advances vary a ton: lots of users stay stuck at $50-$150 per pay period (and only $150 per day), while others climb into the $500-$850 range; the algorithm that decides limits, daily caps and sudden drops is a mystery for many. Common headaches: surprise early debits that trigger overdrafts, limits that shrink for no clear reason, crashes or endless bank-reconnect loops (Chime, Varo and some gig/SSI accounts often get rejected), and customer-service chats that bounce between bots and slow human reps. A recent GPS/work-email check and a “coworker boost” rule also bug some long-time users, but when it works the app is still a clutch bridge between paychecks.
👎Subscription Cancellation
👎Bank Compatibility
👎App Stability
👎Security & Privacy
👎Advertising Accuracy
👎Approval Process
Customer Support
Loan Amounts
Repayment Terms
Tip Requests
Fees & Costs
Financial Education
👍Funding Speed
👍Reliability
👍Ease of Use
What users like most
Convenience and Speed
Users appreciate the app for providing quick access to funds, especially in emergencies, and the ease of use.
No Hidden Fees
Many users value the transparency of the app, noting that there are no hidden fees and the tipping system is optional.
Customer Support
Positive experiences with customer support are frequently mentioned, with users appreciating the helpful and responsive service.
Common complaints
App Stability Issues
Numerous users report problems with the app crashing or not loading properly, causing frustration and inconvenience.
Bank Compatibility
A significant number of users are dissatisfied with the app's lack of support for certain banks, particularly Chime.
Unreliable Repayment Scheduling
Users express frustration with the app's repayment system, which sometimes withdraws funds earlier than expected, leading to overdraft issues.
Summary by feature
Positive
1%
Negative
99%
Many users complain about difficulties in canceling their EarnIn subscriptions. They report unauthorized charges continuing even after requesting account closure, with some expressing frustration over unresponsive customer service. The process to cancel seems cumbersome, with users mentioning prolonged email exchanges and a lack of direct support. The sentiment is overwhelmingly negative, with users feeling trapped by a service they no longer wish to use.
App reviews talking about Subscription Cancellation:
"...cancelen mi cuenta y no lo hacen y todos los meses me quitan dinero de mi banco..."
"I have reached out multiple times and gotten no answer..."
"...trying for days to get Earnin to delete my account and stop accessing my bank account..."
EarnIn customer service
Examining how EarnIn replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
Around a quarter of recent reviews are complaints. The team replies to almost all of them—about 90%—and most of those responses include clear guidance or a fix. Only a handful come across as dismissive, while the rest feel neutral. Many complaints are on the harsher side, yet users still tend to receive replies that aim to help.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
23%
Ignore rate
10%
Negative tone
2%
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4.2
26K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
Need verified income, three-month healthy deposits, and previous Gerald advance.
Features
Cash advances to $200, Buy now pay later shopping, Mobile plan financing, In-app bill management
3.5
40K Reviews
Monthly fee
$2.47
Advance amount
$5 - $1000
Eligibility
US adults with verified income, healthy deposits pass Beem's review.
Features
Instant $1,000 advances, 5% savings wallet, Credit-builder card, AI budgeting, Up to 10% cash-back
4.7
606K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Adults in eligible states with active, steady-income account qualify responsibly.
Features
Cash advances, credit-builder line of credit, revolving credit, automatic savings, credit score monitoring
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