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Updated July 2026 · real, multi-region App Store reviews
Better options than

EarnIn alternatives

EarnIn users often look for alternatives due to issues with unexpected charges, poor customer service, and difficulty accessing funds when needed. Alternatives like Cash App, Dave, Brigit, Tilt, and Klover offer different features such as instant transfers, budgeting tools, or credit-building options.

Why users look for alternatives to EarnIn

The alternatives

Cash App
4.8★ · 8,516,310 ratings · Free

Cash App makes it easy to transfer money to and from people R55. It offers features like savings and a convenient card R60R62.

Better for: Cash App is better for users who primarily need to send and receive money easily, and who appreciate additional features like savings and a debit card R55R60R62.

Head-to-head: EarnIn vs Cash App
Dave
4.8★ · 856,416 ratings · Free

Dave is a reliable service that is easy to use and offers fast deposits when users are tight on money R66R69. It has cheap fees and is dependable .

Better for: Dave is better for users who need quick, reliable cash advances with low fees and appreciate a straightforward, easy-to-use app R69. However, users should be aware that it might debit funds at 12:01 AM on payday, potentially causing a negative balance if the paycheck hasn't cleared R73R74.

Head-to-head: EarnIn vs Dave
Brigit
4.8★ · 517,340 ratings · Free

Brigit offers fast, easy, and convenient cash advances R80R82R86. Users find it simple to use and can rely on it for their advance needs R82.

Better for: Brigit is better for users looking for a fast, easy, and reliable cash advance service R80R82R86. However, some users report issues with unexpected charges and difficulty contacting customer service R81.

Head-to-head: EarnIn vs Brigit
Tilt
4.8★ · 447,291 ratings · Free

Tilt provides money when needed for a very low fee and offers fast transactions R94R96R99. It can help with curbing spending and building credit .

Better for: Tilt is better for users who need quick cash advances with low fees and appreciate fast transactions R94R99. It may also appeal to those interested in building credit . Users should be aware that paying back can take days to clear, potentially causing negative bank balances R95.

Head-to-head: EarnIn vs Tilt
Klover
4.8★ · 356,815 ratings · Free

Klover can be helpful for quick advances and is easy to use R108R110.

Better for: Klover is better for users who need a quick advance and find the app easy to navigate R108R110. However, users report issues with the points system, linking debit cards, and slow customer service R107R109.

Head-to-head: EarnIn vs Klover
Stick with EarnIn if

Users should stick with EarnIn if they find it consistently works well for them, provides timely funds, and they understand and are comfortable with the fee structure and tipping options .

Evidence note: No alternative had too few reviews to judge.

Frequently asked

Why do people leave EarnIn?
People leave EarnIn due to issues like unauthorized charges, poor customer service, inability to transfer money when their account is negative, and problems with funds availability or changing banks R1R7R9R10.
What are common complaints about EarnIn?
Common complaints about EarnIn include unexpected charges, unhelpful customer service, difficulty accessing funds when needed, and issues with bank changes leading to overdraft fees R1R7R9R10.
Is EarnIn good for emergencies?
EarnIn has been described by some users as great for emergencies and a lifesaver for unexpected expenses like vet bills, groceries, or medical costs R21R23R33R35.
Does EarnIn have good customer service?
Many users report poor customer service with EarnIn, citing unhelpful responses, bots, and difficulty resolving issues R10R42R44.
Are there hidden fees with EarnIn?
While some users find EarnIn's fees minimal and upfront R13, others mention a fee for instant transfers and the tipping aspect R6R49. However, there are also reports of unauthorized or unexpected charges R1R18R22R46.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] EarnIn 1/5 · US Stolen: They have taken over 700$ in pay back before time it was 499$ and now and extra 300 was taken out of my account and no you can not contact customer service or support to fix this issue so im out an extra 300$ out of my paycheck never again it is being deleted after tears with them
  2. [R18] EarnIn 1/5 · US They rip you off: They rip you off
  3. [R22] EarnIn 1/5 · US Refuse to refund unauthorized charges: I am shocked by the experience I went through with this card and unauthorized charges. They claimed because a digital token was used, they could not prove any fraud took place and refused to refund the charges. Mind you this after I presented evidence that I’ve never used the card before at the specific store sites and showed someone trying to use my card AGA
  4. [R46] EarnIn 1/5 · US Scam: They pulled over $200 off my account when I’ve never once owed $200
  5. [R10] EarnIn 1/5 · US Poor Customer Service: They will take your money and they dont care about helping give anything unless you pay extra
  6. [R42] EarnIn 1/5 · US Not worth it: The customer support team is full of bots that repeat the same response. The customer support when a human eventually responds repeat the same information that the bot provides. I was using the app for over a year and I’ve encountered issues with how the daily max reset. I was also made aware that regardless of your good history with the platform that is not taken into consideration
  7. [R44] EarnIn 1/5 · US Awful: Agents don’t listen and I basically spent 30 minutes to an hour to find out that I wasn’t going to be able to use the app
  8. [R7] EarnIn 1/5 · US Pointless App: This is pointless. If you can’t transfer money when your account is in the negative - what’s the point??
  9. [R40] EarnIn 1/5 · US Negative balance: Won’t let you transfer out if in negative, one of the main reasons to even use the app
  10. [R12] EarnIn 1/5 · US If I could put 0 I would: Does not help As advertised. They will hold your check longer than they say
  11. [R14] EarnIn 1/5 · US Zero benefits for long term customers: I know now what to expect from earnings app & the un reliability when it comes to having the funds available when I need them to pay bills is something I unfortunately can’t risk. I’ve never payed late but the needle is constantly pushed back, I use to be able to withdraw 1250$ per pay period then they reduced it to 1100$ with zero valid reasons as to why. I
  12. [R9] EarnIn 3/5 · US Changing Banks: I really like EarnIn but I needed to change banks. I changed it they still used my old account. Now I have overdraft fees!!!
  13. [R26] EarnIn 1/5 · US SCAM BEWARE DONT DOWNLOAD: I had no choice but to close my account. First they won’t allow you to reschedule payments until 60 days… why do I have to wait 2 months? Cus they want money. Next they will take money out of your account even if you don’t have money.. why? Cus they want money. Lastly even if you explain why you can’t pay it back at that date they will keep giving you a hard time in doin
  14. [R24] EarnIn 2/5 · US Actually ridiculous: I got this because, like most people, I was in need of money. It wasn’t until after I connected my direct deposit that I find out that most money sharing apps don’t support this app (ie. CashApp, Venmo, etc.) and you can’t deposit any cash into it? Plus I paid my rent with the amount that was said on my account on Friday and today they just arbitrarily took $50 of my earnin mo
  15. [R6] EarnIn 3/5 · US Earnin: I enjoy this app but when I request amount of funds it automatically send me whole 100.00 which I don’t need therefore this is a great apps. I notice the charge a fee if you need immediately or you have to wait one or two business day to receive your funds in your account.i notice I tips some time unfortunately when it time to repay the money back it seem I pay more back. I’m trying to und
  16. [R49] EarnIn 4/5 · US Slightly convenient: I actually don’t care for the tipping aspect when there is already a fee
  17. [R48] EarnIn 1/5 · US What happened?: Ive used earnin for a long time never missed a payment and always paid in full. I’m a self made contractor and I don’t have an employer. I have different contracts in the construction field. I work at different places every day so I can’t use the new gps feature to verify if I’m at work. My office is at my house and I can’t use a residential address. Now I can’t use this app. After
  18. [R55] Cash App 5/5 · US Makes life easier: Easy to transfer money to and from people.
  19. [R60] Cash App 5/5 · US I like this newer cashapp: Cashapp is the best it’s ever been. Shout out to the little savings, they really help honestly.
  20. [R62] Cash App 5/5 · US Card: Very convenient
  21. [R66] Dave 5/5 · US Dave: Love using Dave whenever I’m tight on money and can always pay it back early
  22. [R69] Dave 5/5 · US Reliable: Very easy to use, very easy to pay back. Very reliable and trustworthy service. Always saving my behind when I need it. Thankful for their help.
  23. [R73] Dave 3/5 · US It’s ok but..: Just beware whether you have money in your account or not they will not wait for your check at the bank. They usually take it out at 12:01 AM on the day your check is supposed to be in the bank, my account is now in the negative until my check goes in..
  24. [R74] Dave 2/5 · US Recommend, slightly: The app is easy to use, fast deposits, and has a cheap monthly fee. However, whats frustrating me at the moment is I can’t update my pay schedule because you all use software that “detect” pay cycles. I get my paycheck deposited at 9pm PST Thursdays so the app has my settlement date set to Thursday. This causes an issue because it will debit whatever money I have in my account
  25. [R80] Brigit 5/5 · US Wonderful: So fast, easy, and convenient. Feels very honest and simple to use.
  26. [R81] Brigit 1/5 · US Hidden charges: I thought this was a great app until I was randomly charged $39 for a Bright Membership. It doesn’t show any information on where the charge is from or what it’s for. They don’t have any real people to get in contact with immediately. Use at your own risk. I believe it’s false advertising and doesn’t fully support when you have an issue. I don’t like having money taken for no reaso
  27. [R82] Brigit 5/5 · US Really great option: Super easy to use and great terms. I totally recommend this for all your advance needs!
  28. [R86] Brigit 5/5 · US Cash advance: This app is life saving !
  29. [R94] Tilt 5/5 · US Great App: Money when you need it for a very low fee
  30. [R95] Tilt 1/5 · US Not a very good app.: When you go to pay back it takes days. They can give you the money instantly. And take up to three days for it to clear when you go to pay it back. Left my bank account in the negatives twice now. Not happy at all with this app
  31. [R96] Tilt 5/5 · US Happy customer: When I need quick cash I know Tilt will come through!
  32. [R99] Tilt 5/5 · US Can always depend on Tilt: I can honestly say you get your loan ASAP don’t believe me TRY it yourself you won’t be disappointed.Tilt keep up the good work and the fast transactions!!
  33. [R107] Klover 1/5 · US Scam: Offer deals for point and don’t pay out. When you do finally get enough points for an advance your debt card coincidentally needs to be linked to your account which take days. Don’t waste your time or money
  34. [R108] Klover 5/5 · US Love it: Klover has been helpful when I need a quick advance, and the app is easy to use. My only issue is that you can’t change the repayment date once it’s set. If they added the ability to adjust the payback date, it would make the app much more flexible and even better to use.
  35. [R109] Klover 2/5 · US Points based on usage: Your ad make it seem like you can get a healthy advance how ever it’s a point based app . Meaning the more you use that app and services the more points you get but the advance amount via point based is absolutely unrealistic
  36. [R110] Klover 5/5 · US Awesome: Great app comes in handy when times are rough
  37. [R21] EarnIn 5/5 · US Great for emergencies: This app has helped me so much! Anytime I’m low on funds I can just borrow and pay back later. Awesome for emergencies.
  38. [R23] EarnIn 5/5 · US Blessing: It’s important to know that this service can get you stuck in a loop of borrow and repay. So use sparingly. But whenever I get in the loop I can easily get out. This service has been a life saver for emergency vet bills, last minute groceries, unexpected medical expenses and gas tank refills on many occasions. People like me who don’t have much saved up it has helped me so much when I ne
  39. [R33] EarnIn 5/5 · US Life Saver: Earnin is amazing to help you get through those tight times between paychecks. If you ever find yourself in that situation, trust me download the app.
  40. [R35] EarnIn 5/5 · US Life saver: Earning came through when I have most needed it best cash advance platform ever!!!! Saved my daughter’s bday!
  41. [R13] EarnIn 5/5 · US Nice app and service: I enjoy the Earnin app and the service is really simple and seamless. All the fees (which are extremely minimal) are up front and easy to understand. I was skeptical of something like this before, but it’s been a really nice thing to know I have when and if I need it.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store