By Editorial Team
Last Updated: Aug 03, 2025
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We went over the latest 1100 EarnIn app reviews in August so you don't have to, and summarized them to tell you what users really think! 🧐
EarnIn holds an impressive 4.7 historical rating from over 600k+ user reviews, reflecting strong satisfaction with the app. Recent reviews have been less generous though, giving EarnIn a 3.9 rating in the last few weeks (as recent as July 2025). Read on to discover what users appreciate, common concerns, and more.
4.7
600K Reviews
Google Play
4.7
269K Reviews
iOS App Store
4.7
330K Reviews
On this page
Table of contents
Users say
Users appreciate EarnIn for offering quick and easy cash advances to help bridge the gap between paychecks, often calling it a lifesaver in emergencies. However, many are frustrated with recent changes to the Boost feature, which now requires boosts from coworkers instead of friends or community members—making users uncomfortable sharing financial matters at work. Some users report that the app occasionally withdraws funds earlier than expected, leading to overdraft fees. There are also complaints about app glitches, login issues, and a lack of support for certain banks like Chime. While EarnIn is helpful for many, concerns about customer service and unexpected changes have caused dissatisfaction among some users.
👎Subscription Cancellation
👎Bank Compatibility
👎Security & Privacy
👎App Stability
👎Advertising Accuracy
👎Approval Process
👎Customer Support
Repayment Terms
Loan Amounts
Tip Requests
Fees & Costs
👍Financial Education
👍Funding Speed
👍Ease of Use
👍Reliability
What users like most
Ease of Use
Users appreciate the app's simplicity and convenience, making it easy to access funds when needed.
Quick Access to Funds
Many users found the app helpful for getting quick cash advances, especially in emergencies.
Customer Support
Positive feedback on customer service, with users noting helpful and responsive support.
Common complaints
Technical Issues
Frequent complaints about app crashes, login problems, and technical glitches.
Coworker Boost Requirement
Users are unhappy with the new policy requiring coworker boosts, citing privacy concerns.
Early Withdrawals
Numerous reports of the app withdrawing funds before payday, causing overdraft issues.
Summary by feature
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..."
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.
Over a quarter of recent EarnIn reviews are complaints, with nearly a fifth of those being very harsh. EarnIn replies to most of these complaints, generally providing helpful responses. However, with so many users experiencing issues, EarnIn could focus more on improving their service to reduce the number of complaints in the first place.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
19%
Ignore rate
10%
Negative tone
1%
Other apps like EarnIn
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4.1
20K Reviews
Monthly fee
Free
Advance amount
$40 - $200
Eligibility
To access cash advance, verify identity, income, and use Gerald responsibly.
Features
Instant cash advances, Buy Now Pay Later shopping, Phone plan financing, Play-to-earn rewards, Overdraft protection
3.6
39K Reviews
Monthly fee
$0.99
Advance amount
$5 - $1,000
Eligibility
You must be 18+, a US resident, have a bank account, and pass assessment.
Features
Instant cash advances up to $1,000, credit monitoring, budgeting tools, health benefits, cashback offers
4.7
542K Reviews
Monthly fee
$8.00
Advance amount
$10 - $400
Eligibility
Must be 18+, have regular income, and reside in eligible state.
Features
Access $400 cash advances interest-free, build credit, earn 10% cashback, AutoSave, credit score monitoring.
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