How can I pay Earnin back?

Earnin’s goal is to help you get to a better place financially. Earnin doesn't work directly with your employer. Instead, we collaborate directly with you and your bank to debit your account for the Cash Outs you made. On your payday, Earnin will automatically debit your bank account for the amount you cashed out, plus any tips you decide to Pay Forward. This debit will be a separate transaction from your direct deposit.

You have the ability to check your upcoming debits by tapping the calendar icon in the app. To make sure we have your correct pay schedule on file, you can go to Settings> Work Info> Show Payday Info. If something looks incorrect or if there will be any changes in your payroll, please contact our community advocates in advance so that we can make the necessary adjustments for you.

To check if we have your correct pay schedule on file:

For Android

  1. Go to the Earnin app
  2. Tap on the 3 dots icon at the top right corner to go to app settings
  3. Tap Settings
  4. Tap Edit Work Info under Work Info
  5. Tap Show Payday Info under Pay Details

For iOS

  1. Go to the Earnin app
  2. Tap the = symbol to go to the app settings
  3. Tap Work Info
  4. Tap Show Payday Info

If you would like to manually pay Earnin back via money order please do the following:

  1. Payable To: “Earnin Activehours”
  2. Amount: The entire outstanding amount is required for processing, please contact our Community Advocates if you are unsure.
  3. On a separate piece of paper, please include either the email connected to your Earnin account or your associated ticket number to ensure it is applied to the correct account.
  4. Mail the money order to our address: “PO Box 46 Palo Alto, CA 94301”


    Additional notes

    Here are a few things to remember when considering to pay our debits using this method:

    • You may opt-in to a money order if your bank account that was linked to the app has been closed and you don't want to open another one.
    • If you do have a new bank account but we do not support it.
    • There is no specific timeline on how long these can take.
    • We can only apply the money orders when we have received the full amount owed to Earnin. As soon as the money order has been processed, our support team will notify you of its completion.


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