Use This App to Get Paid as You Work, Not Days or Weeks Later (Up to $750 per Pay Period)*

We all know that sinking feeling. The long hours you’ve clocked in at work, the energy you’ve spent… But when you glance at your bank account, it doesn’t really match up with your effort — at least not until payday.

And when your two-week pay schedule doesn’t sync up with expenses and bill due dates, it’s more than frustrating. You’re stuck in a perpetual paycheck-to-paycheck cycle with a serious cash flow shortage.

Pretty soon, you’re relying on high-interest cash advances or payday loans to cover the bills while trying to dodge overdrafts and late fees. It feels like you have no control over your finances.

This all-too-familiar scenario plagues a staggering 58% of working Americans who live paycheck to paycheck, with over 40% unable to set aside even $400 for emergency expenses.**

But what if there was a way to break this cycle, to get paid as you work?

That’s where Earned Wage Access (EWA) comes in: Instead of waiting for your paycheck at the end of two weeks, you actually gain access to a portion of the money you’ve earned as you earn it. For example, with an app like EarnIn, you can access some of your hard-earned cash before your scheduled payday. You don’t pay interest, there aren’t any mandatory fees* — and you can access up to $100 a day or $750 per pay period.

Not only are EWA services like EarnIn an affordable way for you to access your money when you really need it, but you’ll also be in a better position to improve your financial stability and emotional well-being. Let’s find out how.

Early Wage Access Breaks the Paycheck-to-Paycheck Cycle

Instead of waiting around for your paycheck, imagine being able to add to your emergency fund as soon as you’ve earned the money. That’s what EWA offers. For example, EarnIn allows you to transfer up to $750 per pay period or $100 daily. You control your cash flow. There are no mandatory fees or interest. You don’t even need a credit check.

Here are some of the benefits that EarnIn users have reported since using EWA:

• Getting Bills Paid On Time: Since using EarnIn, a majority of customers have been able to pay their bills on time more often.
• Fewer Late Fees: EarnIn users save nearly $756 per year by avoiding late fees.
• Better Credit Scores: EWA doesn’t impact credit scores as it doesn’t require credit checks or credit reporting.
• Improved Financial Stability: Over one-third of EarnIn users report having improved their overall financial health, while 70% have more financial flexibility. A majority mention the ability to save more money, budget more effectively, and improve their spending habits.
• Reduced Financial Stress: 81% experience less financial stress, enhancing their overall well-being.

EarnIn isn’t just an app for accessing wages early, either. It provides a wealth of resources so that you can learn how to set financial goals, budget effectively, and pay off your debt. You can even use their free credit monitoring tool. In addition, in 2023, EarnIn helped to remove $22 million dollars worth of medical debt in partnership with RIP Medical Debt and provided an additional $10.6M worth of consumer debt relief this year.

EarnIn can also help you stay on top of your financial health. When you use EarnIn, you join a community of members who support each other in their financial goals. Whenever you use EarnIn to access your paycheck early, you have the option to leave a voluntary tip — instead of paying a base price for the service. This voluntary tipping model allows you to pay what you think is fair, making EarnIn’s financial momentum available to everyone.

How to Access EWA through EarnIn

While it’s a common misconception that you can only access EWA services through your employer, you can actually directly access your money through EarnIn.

Here’s how it works:

Download the EarnIn app and verify your employment and consistent pay schedule by linking your bank account to get started. EarnIn follows industry standards to encrypt and protect your data. And EarnIn’s 24/7 active monitoring keeps your data safe. They don’t sell your personal information, either. For more information, please visit EarnIn’s Privacy Policy.

Once you’re verified, you’re good to go! You can transfer up to $100 a day (or up to $750 per pay period) to your linked bank account. You won’t be charged any interest, and there are no mandatory fees.***

After you initiate a transfer, you’ll have access to your money in 1-2 days via standard speed. Need funds faster? You can use the Lightning Speed feature for a small fee to get your money in a few minutes.****

When payday comes, whatever amount you’ve transferred from EarnIn is automatically debited from your linked bank account, plus any voluntary fees and tips you choose to pay. It’s that simple.

Download the EarnIn App

Stop living paycheck to paycheck. EarnIn’s EWA tool gives you the power to control when you access your earnings, whether you’re saving for emergencies, paying off debt, or planning for a more financially stable future.

Download EarnIn today to start accessing up to $100 per day or $750 per pay period of your hard-earned cash before your payday.

*Subject to your available earnings, Daily Max, and Pay Period Max. EarnIn services may not be available in all states. Restrictions and/or third-party fees may apply, for more information, please visit http://EarnIn.com/TOS.”.

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¹ Tips go to EarnIn and do not impact the quality and availability of services, whether you tip or not.
**https://www.cnbc.com/2023/04/11/58percent-of-americans-are-living-paycheck-to-paycheck-cnbc-survey-reveals.html
***“EarnIn does not charge mandatory fees for use of its services. Restrictions and/or third-party fees may apply, for more information, please review our Terms of Service available at http://EarnIn.com/TOS.”
****“Fees and restrictions apply to use Lightning Speed. Lightning Speed may not be available at all times. See EarnIn Cash Out User Agreement. Expedited Transfer fee paid up front where applicable – see Evolve Deposit Account Agreement.”
***** Tipping options will vary between tools.