Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

EarnIn PayOff

Advertiser Disclosure

How to Pay Off EarnIn Services?

EarnIn is not a traditional loan app. It provides early access to the pay you've already earned, giving you the flexibility to access your funds when you need them. As a result, there is no specific process for "paying off" EarnIn.

When you use Earnin's services, you have the option to cash out a portion of your earned wages before your scheduled payday. This allows you to access the money you've already earned but haven't received yet.

EarnIn does not charge interest or mandatory fees for this service. Instead, they operate on a pay-what-you-think-is-fair model, where users can choose to provide a tip to support the service, but it is not mandatory.

Since Earnin is not a loan, there is no repayment process involved. Instead, your earnings and any optional tips are automatically deducted from your bank account when your actual paycheck is deposited. This deduction covers the amount you've accessed through EarnIn, and there is no ongoing repayment or interest accumulation.

If you have any specific questions about using the EarnIn app or accessing your earnings, it is best to reach out to their customer support for assistance.

FAQ

How delinquency affects credit rating?

EarnIn does not report your borrowing activity to credit bureaus, which means that your activity with the company, including any delinquency, typically does not directly impact your credit rating. Since EarnIn offers early access to earned wages rather than traditional loans, it operates outside the scope of traditional credit reporting systems.

However, it's important to note that if you have other loans or credit accounts with other lenders or creditors, and you fall behind on payments with them, it can have a negative impact on your credit rating. Delinquency on those accounts can be reported to credit bureaus and can result in a lower credit score.

While EarnIn itself may not report delinquency, it's still crucial to manage your financial obligations responsibly and make timely payments on all your debts. This helps maintain a good credit history and ensures that you have access to credit options in the future.

Offers
EarnIn
Cash Out
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$100 - $750
Rate
i

Interest rate

interest-free
Similars products
Finanso
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
Apply
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 1399 days
Apply
Calculate loan payments in EarnIn

EarnIn calculator will allow you to calculate an approximate payment schedule for the loan

EarnIn calculator
Interest rates are given in accordance with the rates of the EarnIn of 15.09.2024
Loan amount
i

Enter the desired loan amount

USD
USD
100 $
750 $
Loan term
i

Specify the loan term for the calculation

days
months
1
30
State
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
EarnIn reviews 2024
Leave feedback
Similar companies
NaviRefi
123 S Justison St, Wilmington, DE 19801-5360
+1 (844) 381-6621
HESAA
PO Box 545, Trenton, NJ 08625-0545
+1 (609) 584-4480
RISLA
935 Jefferson Blvd, Suite 3000, Warwick, RI 02886
+1 (800) 758-7562
VSAC
10 East Allen Street, Winooski, VT 05404
+1 (800) 642-3177
Funding U
309 East Paces Ferry Rd. NE Suite 400, Atlanta, GA 30305