borrow money app review no credit check

Earnin is an instant cash advance app that lets users get paid as soon as they leave work by connecting the app to a bank account and tracking work hours.

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. After working enough hours, users can request a cash advance of $100 to $500 per pay period using the platform’s Cash Out tool.

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App users can opt into Lightning Speed for $1.99 to $3.99 and receive cash instantly or within minutes.

There are no fees associated with Earnin, but there is a tip feature with options ranging from $0 to $14 for most services.

The platform also sends users alerts if their bank account falls below a set balance and can send automatic Cash Outs on an as-needed basis. Earnin is only available in the U.S. and U.S. territories.

Pros & Cons

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– No mandatory fee – No credit check required – Same-day funding available

– Low borrowing limit – Seemingly low tips can translate into high APR – Requires sharing personal banking information

Extra Details

Repayment:Borrowed funds are withdrawn from the user’s bank account on payday.

APR example:A $100 cash advance borrower five days before payday, with a $1 tip and a $3.99 Lightning Speed fee costs $4.99 and results in an APR just over 364%.

Turnaround time:One to three business days or within minutes for users with Lightning Speed.