Why did my pay period Max decrease?

Our goal is to help you access your money when you need it and to also help you stay on track with your financial goals. 

Several factors are taken into account when adjusting pay period Maxes. Your individual pay period Max depends on your overall financial health, which includes details like how often a positive bank balance is maintained and if you are able to spend less money than you make. Each pay period, your pay period Max is reevaluated. Your individual pay period Max also depends on paying Earnin back on time. If you miss your scheduled debit date, your pay period Max will decrease.

Tipping does not affect your individual pay period Max, whether you decide to provide Earnin tips or not. It's your money, and we believe you should have access to it when you need it without mandatory fees.*

To build your pay period Max, follow the recommendations below:

  • Maintain a positive bank balance and avoid overdrafts
  • Spend less money than you make
  • Have enough money in your bank account to cover our scheduled debits for your pending cashouts

If you need help keeping track of recurring payments and upcoming bills, you can use the Financial Calendar feature in the Earnin app. This feature is available at no charge, interest, or hidden costs.

As we collaborate with our community members on financial independence, we work hard to keep your pay period Max in your hands. Your pay period Max can increase with good habits or by reaching out to the community for a temporary Max Boost. Check out our Facebook page here to connect with our community.


* Earnin does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. For more info visit Earnin.com/TOS.

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