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Earnin

Earnin

Earnin is on a mission to create a financial system that truly serves people. Every year, over $1 trillion of workers’ earnings are locked in the traditional pay cycle, leading to over $50 billion in late and overdraft fees and forcing many to rely on high-interest loans. Earnin aims to change this by eliminating unnecessary fees and putting money back in workers’ hands.

Earnin is an app that empowers people to access their earned wages as soon as they finish work—without any fees, interest, or hidden costs. Operating on a “pay-what-you-choose” model, users can instantly receive their money directly into their bank accounts with minimal or no charges. All that’s required is a job with direct deposit or electronic timesheets.

At Earnin, we’re reimagining how financial systems should work—for everyone, not just those who can afford it. Our goal is to help people take control of their finances and move toward greater financial stability. Beyond providing accessible financial products, we aim to inspire a culture of kindness across the financial industry and beyond.

Contact Info

Palo Alto, California, United States