Earnin App: Digital lender up to $500 of your paycheck with no interest

Earnin App: Digital lender up to $500 of your paycheck with no interest

Earnin is a digital lending app designed to change a financial system that leaves millions of people behind by facilitating earning all across America by salary earners before payday. The app lets you draw small amounts of your earned wages before payday while you offer a ‘tip’ as consideration for the service.

One unique thing about the Earnin platform is that you don’t have to pay interest on your loan. They actually claim it’s not a loan, but access to your paycheck before payday. The scheme runs on what they call “tips”, meaning you ‘tip them’ what you think you can afford as consideration for the credit service, even if it’s 0% interest. “We run on tips. We’ll never charge you a fee or interest. If you like the service, simply tip what you think is fair,” is their claim.

The app lets you draw small amounts of your earned wages before payday. Instead of charging interest, Earnin asks users to provide an optional tip for the service

Earnin, according to the organization, isn’t a payday loan, a cash loan, or an application to acquire cash. They claim it give you access to your salary when you need it – with no interest, and no credit check.

However Quick Loan Arena understands that any access to funds that is REPAYABLE over a time frame, with or without interest is still a loan, and because Earnin could be instant access if you fulfill the necessary conditions, we will still refer to it as a quick loan.

The organization says, “Call us crazy, but we think having to wait to get the money you’ve already earned is, well, crazy. With Earnin, the wait is over. No fees, no penalties, no waiting—just access to your hard-earned cash right when you need it.”

According to the quick loan platform, if you cannot wait for up to 2 weeks or a month to get paid from work, you can simply apply to them and get quick access to your salary before your payday arrives with the Earnin application – up to $100 each day, and up to $500 per paycheck.

Earnin doesn’t charge expenses or premium, and there’s no credit check. Simply tip what you would like (even $0). Earnin gives you access to your paycheck in advance, with positively no catch.

Whatever is it that is urgent for you to fix, be it bills, need gas cash, rent coming up soon, personal financial obligation, urgent purchases or any other commitment that cannot wait, the platform says you don’t need to panic until payday anymore. It adds that you can move your cash, and carry on with your life.

The platform claims it has more than 1 million local area individuals making any day their payday.

How to get started

Link your bank account where you work and add a debit card

Add your employer who issues you your paycheck.

Add your work email. If you do not have one, you can turn on Location Permissions on your device and earnings will automatically be added to your Earnin account when you’re confirmed to be at your work address.

Your bank account will need verification too, with your debit card, and confirm your working hours.

Then, advance payment of up to $100 per day (up to $500 per paycheck) would be deposited in your account though with a  tip that you think is fair, between $0-14.

On payday, your account will be debited for the money you cashed out + tips

Stop waiting for payday

Get up to $100 each day of the cash you’ve earned at work before payday– up to $500 per paycheck. Earnin doesn’t charge expenses or interest. Simply link your bank to Earnin. Earnin works with Bank of America, Wells Fargo, Capital One, TD Bank, Chase, Navy Federal Credit Union, PNC Bank, USAA Bank, and that’s only the tip of the iceberg.

The Earnin Platform, as indicated by the organization is not a partner of Chime, Dave, Albert, Brigit, CashNetUSA, Empower, Klover, MoneyLion, Cleo, Cash App, Daily Pay, Google Pay or Credit Karma.



We are a financial solutions brokerage company that seeks to inform and educate individuals and small  businesses about quick loan opportunities to help them take informed decisions. We are neither staffers nor stakeholder in this loan agency. Book A Call TODAY and speak with one of our Consultants for more information! Call or Whatsapp +234 (0)803 385 7245.

Do remember to give us a feedback about your quick loan experience after the lending process is executed.

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