Who can use EarnIn?

Looking to access the money you’ve earned without credit checks, interest rates, or mandatory fees? Here are the requirements to join the EarnIn community:

  • You must be employed and have:
    • A consistent direct deposit pay schedule: weekly, biweekly, semi-monthly, monthly
    • At least one of the following: a fixed work location, or an employer-provided email address. 
  • Your primary residence must be in the United States (includes U.S. territories)
  • You must be at least 18 years old and own a U.S. bank account
  • You must own a valid U.S. cell phone number

EarnIn is unable to send earnings to prepaid and savings accounts. A linked checking account is required. 

EarnIn is not compatible with Supplemental Security Income (SSI), disability pay, unemployment wages or veterans benefits. 

To see the full eligibility conditions, please visit our terms of service.

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