EarnIn review — rated 4.3/5 from 15,420 reviews. Best for earned wage access with no required fees.
Access up to $150/day and $750/pay period of earned wages early. EarnIn is offered by Activehours, Inc. (EarnIn) and currently holds an average rating of 4.3 out of 5 across 15,420 user reviews. It falls into the Cash Advance category and tends to be the strongest fit for earned wage access with no required fees.
Editorial grade: A (composite score 89/100).
Monthly fee: $0 base + optional tips + Lightning Speed fee. Minimum to open: $0. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). We install the app on a personal device, link real bank accounts, and track whether it measurably improves behavior over a 30-day window. For this review of EarnIn, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Cash Advance shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
Read our full editorial methodology and advertiser disclosure for more on how we fund our testing and why that matters for the reviews you read here.