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
- Users report unauthorized or unexpected charges, including money taken from accounts without explanation or for amounts not owed.R1R18R22R46
- Many users experience poor customer service, describing it as unhelpful, unresponsive, or staffed by bots.R10R42R44
- The app may not allow transfers when an account is in the negative, which defeats the purpose for some users.R7R40
- Customers report issues with funds availability, with some stating that money is held longer than advertised or that daily limits are reduced without valid reasons.R12R14
- Some users encounter problems when changing banks, leading to overdraft fees because EarnIn continued to use old account information.R9
- There are complaints about the inability to reschedule payments easily, with some users stating they have to wait 60 days.R26
- The app has issues with compatibility with other money-sharing apps like Cash App or Venmo, and users cannot deposit cash into it.R24
- Some users dislike the tipping aspect, especially when there is already an instant transfer fee.R6R49
- The new GPS verification feature for contractors or those working from home can prevent access to funds.R48
The alternatives
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 AppDave 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 DaveBrigit 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 BrigitTilt 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 TiltKlover 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 KloverUsers 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?
What are common complaints about EarnIn?
Is EarnIn good for emergencies?
Does EarnIn have good customer service?
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.
- [R1] EarnIn 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
- [R18] EarnIn They rip you off: They rip you off
- [R22] EarnIn 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
- [R46] EarnIn Scam: They pulled over $200 off my account when I’ve never once owed $200
- [R10] EarnIn Poor Customer Service: They will take your money and they dont care about helping give anything unless you pay extra
- [R42] EarnIn Not worth it: The customer support team is full of bots that repeat the same response. The customer support when a human eventually responds repeat the same information that the bot provides. I was using the app for over a year and I’ve encountered issues with how the daily max reset. I was also made aware that regardless of your good history with the platform that is not taken into consideration
- [R44] EarnIn Awful: Agents don’t listen and I basically spent 30 minutes to an hour to find out that I wasn’t going to be able to use the app
- [R7] EarnIn Pointless App: This is pointless. If you can’t transfer money when your account is in the negative - what’s the point??
- [R40] EarnIn Negative balance: Won’t let you transfer out if in negative, one of the main reasons to even use the app
- [R12] EarnIn If I could put 0 I would: Does not help As advertised. They will hold your check longer than they say
- [R14] EarnIn Zero benefits for long term customers: I know now what to expect from earnings app & the un reliability when it comes to having the funds available when I need them to pay bills is something I unfortunately can’t risk. I’ve never payed late but the needle is constantly pushed back, I use to be able to withdraw 1250$ per pay period then they reduced it to 1100$ with zero valid reasons as to why. I
- [R9] EarnIn 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!!!
- [R26] EarnIn 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
- [R24] EarnIn 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
- [R6] EarnIn 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
- [R49] EarnIn Slightly convenient: I actually don’t care for the tipping aspect when there is already a fee
- [R48] EarnIn 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
- [R55] Cash App Makes life easier: Easy to transfer money to and from people.
- [R60] Cash App I like this newer cashapp: Cashapp is the best it’s ever been. Shout out to the little savings, they really help honestly.
- [R62] Cash App Card: Very convenient
- [R66] Dave Dave: Love using Dave whenever I’m tight on money and can always pay it back early
- [R69] Dave 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.
- [R73] Dave 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..
- [R74] Dave 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
- [R80] Brigit Wonderful: So fast, easy, and convenient. Feels very honest and simple to use.
- [R81] Brigit 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
- [R82] Brigit Really great option: Super easy to use and great terms. I totally recommend this for all your advance needs!
- [R86] Brigit Cash advance: This app is life saving !
- [R94] Tilt Great App: Money when you need it for a very low fee
- [R95] Tilt 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
- [R96] Tilt Happy customer: When I need quick cash I know Tilt will come through!
- [R99] Tilt 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!!
- [R107] Klover 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
- [R108] Klover 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.
- [R109] Klover 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
- [R110] Klover Awesome: Great app comes in handy when times are rough
- [R21] EarnIn 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.
- [R23] EarnIn 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
- [R33] EarnIn 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.
- [R35] EarnIn Life saver: Earning came through when I have most needed it best cash advance platform ever!!!! Saved my daughter’s bday!
- [R13] EarnIn 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