By Editorial Team
Last Updated: Jun 13, 2025
Read more
We went over the latest 1100 EarnIn app reviews in June so you don't have to, and summarized them to tell you what users really think! 🧐
EarnIn boasts a solid 4.7 lifetime rating from over 575k+ user reviews, reflecting strong satisfaction with the app. Recent reviews continue this positive trend, also averaging 4.7 in the last few weeks (as recent as May 2025). Read on to discover what users appreciate, common concerns, and more.
4.7
580K Reviews
Google Play
4.7
265K Reviews
iOS App Store
4.7
314K Reviews
Trust Pilot
4.5
537 Reviews
On this page
Table of contents
Users say
Users appreciate EarnIn for providing quick and easy access to cash between paychecks, often highlighting the instant transfers that help them in tight spots. Many find the app user-friendly and a convenient way to avoid overdraft fees during unforeseen expenses. However, some users have experienced issues with their borrowing limits decreasing unexpectedly, even after timely repayments. There are also complaints about the app not supporting certain banks like Chime and Varo, which limits accessibility for some. A few users mention difficulties with customer service and concerns about unexpected withdrawals that sometimes cause overdrafts. Overall, while EarnIn is a lifeline for many, some inconsistencies can affect the user experience.
👎Bank Compatibility
👎App Stability
Approval Process
👍Advertising Accuracy
👍Loan Amounts
👍Customer Support
👍Tip Requests
👍Repayment Terms
👍Financial Education
👍Fees & Costs
👍Overdraft Protection
👍Funding Speed
👍Reliability
👍Ease of Use
👍Budgeting Tools
What users like most
Convenience and Speed
Users appreciate the app's quick and easy access to funds, often describing it as a lifesaver in tight situations.
User-Friendly Interface
Many reviews highlight the app's ease of use and straightforward navigation, making it accessible for users in need of quick cash.
Helpful Customer Support
The app's customer service is frequently praised for being responsive and helpful, resolving issues efficiently.
Common complaints
Bank Compatibility Issues
Users express frustration over the app's inability to connect with certain banks, particularly Chime, limiting its accessibility.
Unexpected Withdrawals
Several reviews mention the app withdrawing funds before the expected date, causing overdrafts and financial inconvenience.
Account Management Difficulties
There are complaints about difficulties in managing accounts, including issues with account deletion and bank verification.
Summary by feature
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."
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.
EarnIn receives a relatively small number of complaints (about 9% of recent reviews). They address most of these complaints, responding to approximately 87% of them. When they do respond, the majority of their replies are helpful. Overall, EarnIn seems attentive to user concerns but could continue to improve.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
14%
Ignore rate
13%
Negative tone
3%
Other apps like EarnIn
Select...
4.2
19K Reviews
Monthly fee
Free
Advance amount
$10 - $100
Eligibility
You must be 18+, have income, and prior BNPL use.
Features
Instant cash advances, Shop now pay later, Mobile plans without upfront costs, Overdraft protection, Earn rewards.
3.6
39K Reviews
Monthly fee
$0.99
Advance amount
$5 - $1,000
Eligibility
Must be 18+, US resident, with positive account and regular income.
Features
Instant cash advances up to $1,000, budgeting tools, credit score monitoring, personal loans, high-yield savings.
4.7
527K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Must be 18+, not in CT/MD/DC, with steady income.
Features
Cash advances up to $400, line of credit up to $1,000, credit building, early paycheck access, earn cashback.