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, an employer-provided email address, or an electronic or printed timesheet system
  • 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

We're currently unable to send money to prepaid and savings accounts or pay earnings from unemployment, Supplemental Security Income (SSI), or disability pay.

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

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