EarnIn lets you access your money as you earn it — not days or weeks later.
We’re reimagining the way money moves to make financial momentum accessible to everyone. That starts with payday every day and builds with tools like credit monitoring, automated savings accounts, and low-balance protection. All with no interest, no credit checks, and no mandatory fees. So our customers have as many options as possible to save and spend on their terms.
EarnIn’s pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings. That means:
- 49% can now cover an unexpected expense of $400 since using EarnIn - 73% can budget more effectively with EarnIn - 66% have been able to pay bills on time with EarnIn’s help
We’re proud of that impact. Because no one should feel stuck — held back from their ambitions, their life — simply because they can’t access the money they’ve already earned. That’s why EarnIn is here, to help people move forward with the lives they want today and the goals they have for tomorrow.
Join us.
EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.
Rating Reviews
Rating is calculated based on
5
reviews and is evolving.
Pros: I've been working remote from Seattle as a Software Engineer for a while now. The work-from-home policy is solid for technical roles. It's really helpful for managing personal appointments during the day.
Cons: Even with the WFH flexibility, there are definitely crunch periods. Sometimes you're pushing past 40 hour weeks, especially with fintech deadlines. It can be tough to always maintain that work-life balance.
Advice to Management: Try to balance project loads better, especially when new early wage access features are launching. More realistic timelines would help with burnout.
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Pros: The pay is pretty decent for a fintech startup, and the benefits package is solid. I appreciate the fully remote work arrangement, which gives some flexibility during the day if you manage your tasks well. For software development, you do get to work on interesting problems.
Cons: Work-life balance here is tough. Expect long hours, often over 50-hour weeks, especially during crunch times for product launches. There's a lot of pressure to deliver quickly, and it's hard to log off sometimes. Weekends can get eaten up too.
Advice to Management: Managers need to really prioritize employees' time and mental health. Burnout is a real issue. Revisit project timelines and resourcing for engineering roles.
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Pros: My direct engineering manager was pretty solid; I learned a lot from them. The teams are generally collaborative, especially when working on the core mobile app. Benefits are decent for a fintech company.
Cons: Upper management feels a bit disconnected from day-to-day work. Decisions about product strategy can change really fast, which makes it tough for us as Software Engineers to plan projects. Communication from the top isn't always clear.
Advice to Management: Try to communicate product strategy more clearly and consistently. Listen to the engineering teams more often, especially those working on the payroll advances feature. It would help with morale in the Palo Alto office.
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What's the day-to-day working culture like at EarnIn, especially for remote engineers?
The culture at EarnIn is generally collaborative and fast-paced, typical of a fintech startup. For remote engineers, there's a focus on asynchronous communication with regular team syncs, fostering a good balance between independent work and team cohesion.
What is EarnIn's policy on remote work for software engineering roles in the Bay Area?
EarnIn offers a hybrid work model, typically requiring software engineers in the Bay Area to be in the office 2-3 days a week. While fully remote roles are rare, the company supports flexible schedules within the hybrid framework. This approach aims to balance collaboration with individual autonomy for its tech teams.
What is the management style like at EarnIn, and how does it impact the company culture for remote employees in the fintech sector?
Management at EarnIn emphasizes autonomy and trusts employees to manage their own time and projects, which fosters a strong sense of ownership. This approach contributes to a collaborative and results-oriented culture, even for those working remotely, making it a dynamic environment for fintech professionals.
What is the day-to-day working culture like at EarnIn, especially for remote employees in the fintech sector?
The culture at EarnIn fosters collaboration and a fast-paced environment, common in fintech startups. While remote work is common, there's a strong emphasis on team connection through regular virtual meetups and clear communication channels. This approach ensures that even distributed teams feel engaged and aligned with company goals.
