The Earnin App: An In-Depth Review

The Earnin app which is available in the Google Play Store offers what essentially amounts to a very low-cost payday loan with all business being conducted online over an app on your mobile phone.

The amount you can borrow starts out at $100 per pay period but can increase to $500 per pay period with continued use. The loan itself is free with no interest but you are asked to leave an optional tip that can be as little as $1.00 and up to $14.00 per loan but this is just a suggestion. Tipping is not required.

The Earnin app gives loans based on the money that you have already “earned” on your job. It uses GPS tracking to determine when you are at work and when you are at home. Once the app determines that you have worked that day, you can then withdraw that money right away and the same amount will be withheld from your next paycheck.

The app works great when it works but God forbid your payday falls on a different date than the one you entered during sign up, which is what happened to me. Once this happens you might as well consider that date the end of all future loans.

The company reached out to me via email stating that they cannot determine when my next payday is and when I told them that I typically get paid on the same day every pay period, but sometimes due to the month of February or any other month that may have 28, 29, 30 or 31 days in it, my payday will change.

For some unknown reason, they just can’t seem to wrap their heads around this simple concept. Their solution to the problem is to request that I make a copy of my paystub and email it to their support team so that they can determine my payday.

After doing what they ask and hoping to resume my borrowing, I am again denied a loan based on the exact same reason. I reach out to the company again and tell them that I have already sent them my paystub as they have requested and their response was to have me send it again because they have no record of receiving it.

This scenario of me emailing my paystub and them telling me they never received it went on for at least three full cycles until I couldn’t take it anymore and just gave up. If they haven’t received my paystub in three attempts, they never will.

Either this is somebody’s idea of a sick joke or this company is quite simply the worst at conducting day to day business since the beginning of time and mankind.

Fast forward to today, almost two years later, they are still sending me emails once a month stating that they are unable to determine my paydays and asking me to email a copy of my most recent paystub so that I can resume borrowing. I’m done.

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