Earnin is a financial services company that offers an app that allows users to access their earned wages before payday. The app connects with a users bank account, tracks work hours using timesheets or GPS, and then sends a cash advance within minutes of earning it. Earnin is not a loan app, and it does not charge mandatory fees or perform credit checks. Instead, it encourages users to "tip" about 10% of the cash they receive.

To use the app, users need to download it and create an account. They then connect their bank accounts and enter employment details. Adding employment information helps Earnin determine when the user is at work and recognize their pay schedule. Earnin also offers Automagic Earnings to users who allow the app to track their time at work via GPS.

Earnin is a legitimate company based in Palo Alto, California, that has offered cash advances since 2014. The app has a high rating across both the Google Play Store and the Apple App Store. However, some users have reported issues with incorrect payment withdrawal dates that sometimes cause overdraft fees.

Earnin may not be a good fit for people who regularly need to borrow cash between paychecks, need a long-term solution for managing their finances, or are already struggling to make ends meet. While cash advances from an app are generally cheaper than payday loans, they may encourage users to rely on borrowed money to bridge income gaps, which can lead to a cycle of borrowing.