EarnIn is rated "Excellent" with 4.5 / 5 on Trustpilot (original) (raw)
5-star
81%
4-star
1%
3-star
<1%
2-star
1%
1-star
16%
Sort:
Awesome people doing great things
I had an issue with a payday being on a holiday, soon as I contacted support they responded immediately and quickly corrected the issue. They were fast, kind, and treated me with me respect. Much appreciated. Thank you Earnin' for being there to help out when I needed you most.
Date of experience: January 30, 2025
I had quite a few things happening with my banking. I was first notified of fraud on my bank account, which then needed to be closed. Due to that, I actually switched banking institutions. That information needed to be updated and it was a recent change, so my repay would have been affected. In addition to the new banking information, my place of work was acquired by a new company and my payroll dates were changed, along with the timing of a new pay check. It was a mess to work through and Joyce was incredibly patient, timely and very kind. This application has been helpful and a relief to have. The customer service is great and I truly feel they do their best to help people. I appreciate all the help, especially in difficult situations such as this!
Date of experience: January 30, 2025
Jerson G. Was very kind and patient. I had to link a new bank account, which took a lot of time with double verification from my bank.. then I had to log into my work account and take photos of my paystubs . This took a lot of time and Jerson G was patient and offered detailed instructions on what I needed to do! A+++ customer service on the agents part!! Thank you.
Date of experience: January 29, 2025
Don't t waste your time. Borrowed from them twice which proved to be 2 times too many. I applied indicating I get paid once a month, typically on the 30th. 1st time, no problem. But the 2nd time however is where the gaslighting and breach of the contract begin. Instead of depositing their "ACH" on the 30th as mutually and contractually agreed upon, they took it upon their selves (and without prior notice OR disclosure at the time I applied) to debit the funds on the 27th.
When questioned about this practice and the fact that my max was now reduced by 150 bucks, their explanation was because the 30th fell on a weekend they deposited it on the 27th. Wait! What?! They did not take in consideration that OUR contract was for them to be paid on the 30th, nor the fact that depositing it before funds were made available would create more of a financial hardship due to NSF fees.
But the kick in the pants is EarnIn then penalized ME, by reducing my 'borrowing limit' because the funds they agreed to take on the 30th wasn't there on the 27th.
Moral of the story? Don't do "business" with EarnIn. Crush cans, look in-between the sofa cushions, heck check the ashtray in your car-but WHATEVER you do don't do it with this scam!
Date of experience: February 12, 2025
Reply from EarnIn
2 days ago
Hello! We sincerely appreciate you taking the time to share your experience, and we’re truly sorry for the frustration and inconvenience this has caused you. We understand how important it is for debits to align with your payday, and we regret any hardship this situation may have created.
Our debits should always be posted on your payday. If they were processed on the wrong day or if there was an issue with your payroll setup, we’d be happy to review and take care of any overdraft charges. Please send an email to reviews@earnin.com with your username and a screenshot of the charges you received, and we’ll look into this for you as soon as possible.
Again, we truly apologize for the experience you've had, and we appreciate the opportunity to make things right. Please don’t hesitate to reach out if there’s anything else we can do to help.
The client representative explained he needed a few minutes to assist and came back quickly with a detailed answer and also helped with other items on my account that needed attention. Thank you for the great service Lloyd!
Date of experience: January 29, 2025
Alien was very patient and came up with a solution quickly to my problem.
Date of experience: February 04, 2025
The Earnin app is a life saver
The Earnin app is a life saver! I’m so appreciative of this app! Making it easy for me to cash out as quickly as possible. Any issues I may have they have a 24 hr chat line. My recent experience with a representative was great! He was very knowledgeable, efficient and helped with my problem.
Date of experience: January 25, 2025
EarnIn is the worst app ever. The information is not clear.
They block your funds without any notification, under the argument that the information is not accurate when the information has not changed for the last year!!! Everything is via chat and no person to talk to.
Date of experience: February 03, 2025
Reply from EarnIn
Updated Feb 3, 2025
Hi there!
We’re sorry to hear about your experience, and we truly understand your frustration. We aim to provide clear and helpful service and we're always looking to improve. Please contact us at Reviews@Earnin.com so we can resolve this matter directly. Thank you for sharing your thoughts with us.
We value your feedback and your business.
Sincerely,
EarnIn Team
Fixed my issue quickly and easily
Fixed my issue quickly and easily! Super nice and love the chat feature to allow me to get help efficiently!
Date of experience: January 30, 2025
The agent was able to swiftly and effectively correct the issue with my acct not recognizing my direct deposits.
Now that the issue is corrected, I am able to take advantage of pay advances! Thanks EarnIn!
Date of experience: January 23, 2025
Received my money just fine, but someone tried to hack into my back account shortly after inputting my information. I would not trust this site, I don't!
Date of experience: May 09, 2024
Reply from EarnIn
Feb 5, 2025
Thank you for bringing this to our attention, and we’re sorry to hear about your concern. We understand how alarming and frustrating it must feel to experience something like this.
At EarnIn, we take security very seriously and want to assure you that protecting your information is our top priority. Your info is encrypted with the same level of security as your bank. We only ask for your online banking credentials so our system can detect your payroll on paydays and keep your account up to date.
If you have any specific questions or would like more details about how we handle your information, we’d be happy to clear them up for you. You can review our Terms of Service and Privacy Policy here: https://www.earnin.com/PrivacyAndTerms or reach out to us directly at reviews@earnin.com.
We hope this helps to address your concern, and we’re here to assist if there’s anything else you’d like to discuss.
earnin is a great app! i'm able to receive money from my future paycheck with different options either by transfer to my bank account instantly at a fair fee or a day wait. a tip is optional. i am able to use this app a lot with really no limit if needed. i'm happy it is available.
Date of experience: January 22, 2025
Comment: The representative explained the app in a way I could understand, since I’m new to Earnin but I absolutely love the app because it helps me save money by giving me an advance, while giving me a whole week to pay back and earn more money. Great app!
Date of experience: January 19, 2025
Changing banks is a hassle and the agent was very helpful with this matter. 10/10 recommend.
Date of experience: January 27, 2025