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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

EarnIn vs Tilt

EarnIn 4.8★ · Free to download 65
Winner Tilt
Tilt 4.8★ · Free to download 85

Tilt appears to be the better option for cash advances due to its more consistent positive user experiences regarding reliability, customer service, and transparent fee structure, despite both apps having a free-to-download model.

Full reviews: EarnIn · Tilt

EarnIn and Tilt both offer cash advances, but user reviews suggest Tilt provides a more reliable and less problematic experience, particularly concerning customer service and unexpected charges. While EarnIn has many satisfied users, a significant number report issues with funds availability, customer support, and unauthorized withdrawals, which are less prevalent in Tilt's reviews.

Head to head

Features & Availability edge: TiltR7R15R22R24
EarnIn EarnIn users appreciate the app for providing cash advances, often citing it as a lifesaver for emergencies and unexpected expenses R22R24. However, some users report issues with fund availability, reduced borrowing limits without explanation, and difficulty transferring money when their account is in the negative R7R15. There are also complaints about the app not supporting certain bank accounts or direct deposit methods .
Tilt Tilt users consistently praise the app for quick and easy cash advances, often highlighting its dependability and instant deposit options . The app is also noted for features like spending trend tracking and credit building R75R82R109. Some users initially faced issues with cash advance availability after subscribing, finding it unavailable in their area .
Ease of Use edge: TiltR6R9R14R18
EarnIn Many EarnIn users find the app simple and seamless to use R14R18. However, some report difficulties with changing bank accounts, leading to overdraft fees R9. Others mention issues with the app automatically sending a whole $100 when a smaller amount is needed R6 and problems with the daily maximum reset .
Tilt Tilt is frequently described as easy to use, straightforward, and simple to set up . Users appreciate the quick process for getting an advance and navigating the app .
Reliability & Trustworthiness edge: TiltR1R2R8R11
EarnIn EarnIn receives mixed reviews on reliability. While many users state it's always on time and comes through when needed R2R8R11, a significant number report issues with unauthorized charges, money being taken out before time, and checks being held longer than stated R1. Some also mention unreliability in having funds available when needed R15.
Tilt Tilt is consistently praised for being dependable and reliable, with users stating they can always count on it for quick cash R86. However, a few users experienced delays in funds clearing when paying back, leading to negative bank balances .
Price & Value edge: TiltR1R6R19R29
EarnIn EarnIn charges a fee for immediate transfers (e.g., $3.99) and asks for tips, which users can choose to pay R6R38R50. Some users feel they pay more back than they borrowed due to these fees and tips R6. There are also complaints about being charged extra or having money taken out without clear reasons R1R19R29.
Tilt Tilt users generally find the fees low and affordable . One user specifically mentions a $5 fee for instant deposit and no interest R118. However, some users express dissatisfaction with the cost of advances, calling them "luda" . There are also complaints about being charged subscription fees without clear knowledge or for services not received .
Customer Support edge: EarnInR1R10R27R35
EarnIn EarnIn's customer service is a major point of contention. Many users report poor or non-existent support, describing agents as bots or unhelpful, repeating the same information R1R10. There are complaints about the inability to contact support to fix issues like unauthorized charges or payment rescheduling R1R10R27R35.
Tilt Tilt's customer service receives mixed feedback. While some users praise it as top-tier and amazing , others describe it as worthless or unresponsive, particularly when trying to resolve issues like unauthorized subscription charges .
Pick EarnIn if

You need a cash advance and have had positive experiences with similar apps in the past, and you are comfortable with the tipping model and potential for varied experiences with customer support R2R8R14R18.

Pick Tilt if

You prioritize quick, reliable cash advances with generally clear fees and a focus on credit building, and you are willing to pay a subscription fee for the service R75.

Evidence note: Both apps are free to download, but Tilt operates on a subscription model which some users found deceptive . This free-vs-paid asymmetry might skew reviews, as Tilt's negative reviews often stem from subscription issues, while EarnIn's negative reviews are more focused on core service problems like unauthorized charges and poor support.

Frequently asked

Does EarnIn charge fees for its service?
Yes, EarnIn charges a fee for immediate transfers, for example, $3.99, and also asks for optional tips, which some users feel contribute to paying back more than they borrowed R6R38R50.
Can I get a cash advance instantly with Tilt?
Yes, many Tilt users report that money is instantly deposited into their account, with options for same-day delivery R86R90R96R118.
What are common complaints about EarnIn's customer service?
Common complaints about EarnIn's customer service include difficulty contacting support, agents being unhelpful or acting like bots, and a lack of resolution for issues like unauthorized charges or payment rescheduling R1R10R27R35.
Does Tilt offer credit building features?
Yes, Tilt is noted by users for helping in curbing spending and building credit, with some calling it the "best credit builder" app R75R82R109.

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. [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??
  2. [R15] 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
  3. [R22] 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.
  4. [R24] 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
  5. [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
  6. [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!!!
  7. [R14] 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.
  8. [R18] EarnIn 5/5 · US Easy to use: Earnin has always worked well for me and is easy to use.
  9. [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
  10. [R2] EarnIn 5/5 · US Very good: Very good app always get my money
  11. [R8] EarnIn 5/5 · US Saved me: Earnin has came through for me like crazy
  12. [R11] EarnIn 5/5 · US Always on Time: Always there when needed
  13. [R19] EarnIn 1/5 · US They rip you off: They rip you off
  14. [R29] EarnIn 1/5 · US KC_OTR: Very poor app and service, just another money grab
  15. [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
  16. [R27] 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
  17. [R35] EarnIn 1/5 · US They will not refund your money when they improperly charge you: I have used them for years. I have had a couple of hiccups with them, which is normal, but they have always corrected the issues this time around. They charged me at the wrong time. I had to place a stop payment with my bank then they promised me that if I had screenshots, they would reimburse the fee after they improperly charged me
  18. [R38] EarnIn 5/5 · US Lifesaver: I have never been very smart with my money. I’ve left myself in situations where I need money before payday, I try not to let that happen very much. This app is great for when you’re in a pickle. Yes there’s a $3.99 fee for transferring instantly and yes they do ask for a tip, but you can choose the amount and I personally believe it’s worth it.
  19. [R50] EarnIn 4/5 · US Slightly convenient: I actually don’t care for the tipping aspect when there is already a fee
  20. [R86] Tilt 5/5 · US Very dependable: The money is there as soon as you need it they will give you 3 options to choose from and then it’s sent to you the same day I love it
  21. [R90] Tilt 5/5 · US Need money: The Abbotsbury easy to use when you need a little help till payday money is instantly deposited into your account
  22. [R96] Tilt 5/5 · US Love Tilt: It is so convenient to draw on my line of credit. Hits my account immediately!
  23. [R118] Tilt 5/5 · US Real Deal: Really didn’t think I was going to be able to get the advance because of the distance from now and pay day plus it’s no interest at all only 5 dollars for instant deposit
  24. [R75] Tilt 5/5 · US Campbell: Having TILT has really helped me in curbing my spending and now building my credit.
  25. [R82] Tilt 5/5 · US Best credit builder: I’ve used several credit builder apps and this is easily the best. Everything is explained well up front.
  26. [R109] Tilt 5/5 · US So clutch: My first time using, I was given a 400$ advance!!!!!!! The absolute best. And it even shows your spending trends, shows you where your money goes, your credit..etc! So useful in more ways than one.

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