Earnin (formerly Activehours) is an app that gives you access to the pay you've earned - when you want it. You worked today? Get paid today.
Use the app to track your earnings as you go to work. Then, you can cash out those earnings to your bank. With Lightning Speed, the money will hit your bank account instantly.
On payday, when your usual paycheck hits your bank account, we'll take back the money we gave you. We don't work directly with your employer, so you'll still receive your normal paycheck. We'll deduct the money directly from your checking account.
Keep in mind, we don't charge interest or fees. We let you pay what you think is fair by leaving a tip. So, the amount we debit will be the amount you've cashed out, plus any amount you've chosen to tip us.