By Editorial Team
Last Updated: Apr 03, 2025
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We went over the latest 400 EarnIn app reviews in April so you don't have to, and summarized them to tell you what users really think! 🧐
Earnin has a solid 4.7 historical rating from over 560k+ user reviews, showing strong satisfaction with the app. Recent reviews have maintained this rating, with users giving Earnin a 4.7 rating in the last few weeks (as recent as March 2025). Read on to discover what users appreciate, common concerns, and more.
4.7
560K Reviews
Google Play
4.7
260K Reviews
iOS App Store
4.7
300K Reviews
On this page
Table of contents
Users say
Users appreciate that Earnin lets them access their paycheck early, often receiving funds within minutes. Many find the app helpful for bridging the gap between paychecks and handling unexpected expenses. The process is generally quick and easy, and there are no hidden fees. However, some users mention inconsistencies with their maximum advance amounts and occasional issues with customer support. A few are concerned about fees like the 'Lightning Speed' fee and say that repayments sometimes happen before their paycheck arrives, causing overdrafts.
👎Bank Compatibility
👎App Stability
👍Customer Support
👍Tip Requests
👍Fees & Costs
👍Ease of Use
👍Reliability
👍Funding Speed
👍Loan Amounts
What users like most
Convenience and Speed
Users appreciate the app's quick and easy access to funds, often describing it as a lifesaver in emergencies.
Customer Service
Many users commend the app for its excellent customer service, highlighting its responsiveness and helpfulness.
No Hidden Fees
The app is praised for its transparency and lack of hidden fees, making it a reliable option for short-term financial needs.
Common complaints
Technical Issues
Users report frequent app crashes and connectivity problems, particularly with bank integrations.
Inconsistent Service
Some users experience inconsistency in service, such as fluctuating pay period max and unhelpful customer support.
Account Management Difficulties
There are complaints about difficulties in managing accounts, including issues with account deletion and bank verification.
Summary by feature
Positive
15%
Negative
85%
Many users express frustration with EarnIn's bank compatibility, particularly with the app's reliance on Plaid for bank verification. Several reviews mention that the app does not work with popular non-traditional banks like Chime or PayPal, leaving users unable to access the service. Some users report issues with the app crashing or failing to connect to their bank accounts, while others have experienced problems with the app's repayment process being flagged as fraudulent by their banks. On the positive side, a few users have successfully connected their accounts without issues, praising the app's transparency and functionality.
App reviews talking about Bank Compatibility:
"...Just like all the others that use Plaid to verify banking info, it will NOT work with PayPal..."
"...Accounts like Chime will NOT work with this service..."
"...Best money app! I had no issues connecting my EarnIn account to my SoFi checking account..."
EarnIn customer service
Examining how EarnIn replies to user complaints reveals much about their customer service philosophy. You'll see whether they actively respond to complaints and take a user-first approach, or tend to shift blame onto the users. This analysis aims to provide a comprehensive understanding of their commitment to customer satisfaction.
Earnin faces a relatively small number of complaints (about 8% of recent reviews). They respond to almost all of these complaints. Most of their replies are helpful, but a small portion can come across as dismissive or neutral. There's still some room for improvement in the way they address user issues.
Here are the detailed metrics:
4/5
Customer Service Score
Based on recent 400 app review replies
Complaints severity
9%
Ignore rate
4%
Negative tone
4%
Other apps like EarnIn
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4.1
17K Reviews
Monthly fee
Free
Advance amount
$10 - $80
Eligibility
You must have verifiable income, verified card, use funds as specified.
Features
Instant cash advances up to $100, buy now pay later, earn rewards, bill management
3.7
39K Reviews
Monthly fee
$0.99
Advance amount
$5 - $1,000
Eligibility
US residents 18+ with bank accounts eligible upon Beem's assessment.
Features
Instant cash advances up to $1,000, flexible repayment, expense tracking, credit monitoring, tax filing assistance.
4.7
500K Reviews
Monthly fee
$8
Advance amount
$10 - $350
Eligibility
You must be 18+, with US bank account and steady income.
Features
Instant cash advances up to $350, no interest or credit checks, line of credit building credit history, automatic savings.