{"app_store_id":723815926,"slug":"earnin-beyond-cash-advance-723815926","name":"EarnIn: Beyond Cash Advance","subtitle":"Get Paid Fast, Early Payday","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/90/48/36/90483626-b6e6-fc53-b5af-c9f5f3b21ffa/AppIcon-0-0-1x_U007ephone-0-1-0-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/earnin-beyond-cash-advance/id723815926?uo=4","price":0,"currency":"USD","rating":4.7889,"rating_count":463686,"in_app_purchases":false,"recent_rating":3.55,"recent_review_count":20,"reviews_checked_at":"2026-10-14T03:48:53.692Z","primary_genre":"Finance","version_date":"2026-10-19T18:35:11Z","updated_at":"2026-10-20T14:24:13.877Z","stale":false,"missing_since":null,"one_liner":"Finance app for accessing earned pay early, with overdraft alerts, free credit score tracking and savings tools.","verified_maker":false,"maker_site":null,"file_size_bytes":226715648,"minimum_os":"16.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/97/05/f6/9705f642-295a-0a7c-c755-d7cc9fee5f37/1260x2736bb.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d9/15/28/d91528e1-76b3-965e-c22e-195a8efbc8ee/1260x2736bb-ss2.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/23/90/0e/23900e68-a821-78bb-cd41-4bbb2ef90ea5/1260x2736bb-ss3.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/db/36/ea/db36ea22-a5c3-3b5d-10fa-6955a1154269/1260x2736bb-ss4.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/05/6a/38/056a38f1-81c7-9ad4-1bba-2fe0ff02c126/1260x2736bb-ss5.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/0f/33/8b/0f338beb-d50c-aafd-bb65-c651c6cca194/1260x2736bb-ss6.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/94/5a/fc/945afce9-4e53-7679-3bc5-fe48c6100ae1/1260x2736bb-ss7.png/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ff/8f/a4/ff8fa459-933b-aee6-79ec-d486ea0aa21c/1260x2736bb-ss8.png/320x480bb.jpg"],"developer_name":"Activehours Inc.","editors_choice":false,"url":"https://apptierlist.com/apps/earnin-beyond-cash-advance-723815926/","api_url":"https://apptierlist.com/api/v1/apps/earnin-beyond-cash-advance-723815926","schema_version":"1.0","generated_at":"2026-10-22T06:25:37.003Z","data_as_of":"2026-10-22T01:26:12.817Z","description":"EarnIn is the original same-day pay app^ — with overdraft help, credit monitoring, saving, and more.\n\nGET UP TO $150 PER DAY*\nAccess up to $150/day, with a max of $1,000 per pay period. Get your money in your bank in minutes for a small fee, or in 1-3 business days at no cost.\n\nNO MANDATORY FEES\nNo interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.1\n\nACCESS YOUR OWN CASH\nTap into money you’ve already earned to pay bills in advance, keep your budget on track, and more. Why borrow money, take out a payday loan, or use a cash advance?^\n\nGET PAID EARLY\nWith Early Pay, you can get your paycheck up to 2 days early. Just $2.99 per expedited transfer to your primary bank.‡\n\nHELP AVOID OVERDRAFTS\nWith Balance Shield, you can get alerts & custom transfers from your own pay to help protect your bank balance.**\n\nTRACK YOUR CREDIT SCORE FOR FREE\nYour VantageScore 3.0® by Experian® is just a tap away.^^\n\nEFFORTLESS SAVING\nWith Tip Yourself, you can set yourself up to save every time you get your paycheck.2\n\nSAFE AND SECURE\nWe use the latest in security technology to keep your data protected.\n\nBACKED BY 24/7 SUPPORT\nOur Live Chat team is available 24/7, 365 days a year.\n\nEarnIn is not affiliated with other money apps, loan apps, or instant cash advance apps such as Dave, Beem, Self, Varo Bank, Chime (SpotMe), Instacash, Float Me, Possible Finance, Albert, Klover, Ibotta, MoneyLion\n\nEarnIn\nEarnIn, P.O. Box 46\nPalo Alto, CA 94302\n\n\n_\n^ Expedited transfers available for a fee. Visit Earnin.com for full details.\n\n* Tips go to EarnIn and help us provide tools such as Credit Monitoring for free and keep Lightning Speed fees low. Your service quality and availability aren’t affected by whether you tip or not.\n\n1 EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details.\n\n2 EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC. FDIC insurance covers eligible funds should the bank holding your funds fail. Fees and restrictions apply. Visit EarnIn.com for full details. including FDIC coverage information.\n\n3 Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. EarnIn is not a bank. Transfer limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Helps avoid overdrafts but doesn’t prevent them. Visit EarnIn.com for full details.\n\n4 Your VantageScore 3.0 may differ from the score your lender uses. Visit Experian.com for full details.\n\n5 EarnIn is not a bank. Tip Yourself accounts are held by Evolve Bank & Trust, 0% APY, no monthly fees. Terms apply. Visit EarnIn.com for full details.\n\n6 Paid Testimonial. Compensation was provided for this testimonial, but the statements reflect a real EarnIn experience.","facts":{"developer_id":723815929,"developer_url":"https://www.earnin.com","first_released":"2013-10-25T22:19:57Z","support_url":"https://help.earnin.com/","privacy_url":"https://www.earnin.com/PrivacyAndTerms","website_url":"https://www.earnin.com/","app_version":"16.66","release_notes":"We update the app regularly to improve the experience of our community members. The latest version includes several bug fixes and performance enhancements.","rating_current_version":4.7889,"rating_count_current_version":463686,"star_counts":[16644,3409,4377,12322,426934],"genres":["Finance","Lifestyle"],"languages":["EN"],"content_advisories":null,"device_families":["iphone"],"chart":{"name":"top-free Finance","position":57}},"freshness":{"apple_read_at":"2026-10-20T14:24:13.877Z","catalog_read_at":"2026-10-20T14:24:13.877Z","reviews_checked_at":"2026-10-14T03:48:53.692Z","summary_written_at":"2026-10-17T15:30:13.890Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-22T01:26:12.817Z"},"editorial":{"one_liner":"Finance app for accessing earned pay early, with overdraft alerts, free credit score tracking and savings tools.","what_is":"EarnIn lets users access up to $150 per day of money they have already earned, with a maximum of $1,000 per pay period. The listing also describes Early Pay for receiving a paycheck up to 2 days early, Balance Shield alerts when a bank balance drops below a set level, free VantageScore 3.0 tracking, and Tip Yourself savings. EarnIn is not a bank.","good_for":["Covering bills before the next payday","Receiving a paycheck up to 2 days early","Getting alerts when a bank balance drops below a set level"],"pricing":"EarnIn: Beyond Cash Advance is free, with no in-app purchases on the App Store.","faq":[{"q":"Does the app charge fees?","a":"There are no interest charges, credit checks or membership fees. Instant transfers carry a small fee, while transfers in 1 to 3 business days are at no cost. Tips are optional."},{"q":"Is EarnIn a bank?","a":"The listing says EarnIn is not a bank. Early Pay requires a Deposit Account with Evolve Bank & Trust or Lead Bank, both Members FDIC."},{"q":"Is credit score tracking included?","a":"The listing says VantageScore 3.0 by Experian can be tracked for free. It states the score may differ from the score a lender uses."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T15:30:13.890Z"},"memberships":[{"list":"cash-advances","list_name":"cash advances","list_status":"active","list_url":"https://apptierlist.com/best/cash-advances/","position":7,"tier":"A","score":85.6,"components":{"rating":95.8,"votes":96.7,"rank":49.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-10T04:50:02.950Z"}],"main_list":"cash-advances","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":136081,"at":"2026-10-17T01:49:13.387Z","kind":"tier_changed","list":"cash-advances","app_store_id":723815926,"app":"earnin-beyond-cash-advance-723815926","from":"B","to":"A","reason":"rank shift: #7, score unchanged at 85.6","job":"rescore"},{"id":122313,"at":"2026-10-16T05:40:51.824Z","kind":"tier_changed","list":"cash-advances","app_store_id":723815926,"app":"earnin-beyond-cash-advance-723815926","from":null,"to":"B","reason":"checked from the list's side: ranked #7","job":"rescore"},{"id":107680,"at":"2026-10-15T15:15:01.036Z","kind":"tier_changed","list":"cash-advances","app_store_id":723815926,"app":"earnin-beyond-cash-advance-723815926","from":"B","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":37790,"at":"2026-10-09T07:22:03.522Z","kind":"tier_changed","list":"cash-advances","app_store_id":723815926,"app":"earnin-beyond-cash-advance-723815926","from":null,"to":"B","reason":"score 73.1","job":"rescore"},{"id":26287,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"cash-advances","app_store_id":723815926,"app":"earnin-beyond-cash-advance-723815926","from":null,"to":"active","reason":"Core job: access up to $150/day of already-earned pay before payday, with no interest or credit check, repaid from the next paycheck.","job":"fill"},{"id":20836,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":723815926,"app":"earnin-beyond-cash-advance-723815926","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"cash-advances","list_name":"cash advances","status":"active","review_status":"checked","position":7,"tier":"A","score":85.6,"components":{"rating":95.8,"votes":96.7,"rank":49.8,"recency":100},"ranks":[{"country":"us","rank":12}],"verdicts":[{"verdict":"keep","reason":"EarnIn's core purpose is earned wage access, giving up to $150/day before payday that is repaid from the next paycheck. That makes it a direct alternative to Dave, Brigit and Klover.","verifier":"list check","decided_at":"2026-10-16T05:31:51.806Z","attempts":1,"current":true},{"verdict":"keep","reason":"Core job: access up to $150/day of earned pay before payday, repaid from the next paycheck, with no interest or credit check.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-10T04:50:02.950Z","attempts":1,"current":false},{"verdict":"keep","reason":"Core job: access up to $150/day of already-earned pay before payday, with no interest or credit check, repaid from the next paycheck.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":40636,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/earnin-beyond-cash-advance-723815926/"}}