Earnin is a financial technology company that specializes in creating products and services so that users can access their money as they earn it, instead of waiting for a paycheck.
The company has a mobile application that users can download by entering their phone numbers. Users can access up to $100 per day of money that they've already earned. When the user's paycheck is later directly deposited, Earnin deducts the amount that the user accessed early. Users can choose how much they want to pay in fees for the early access. The app has other features, such as Tip Yourself, which aids users with building their savings and Balance Shield, which alerts users when their bank account balance is low so they can avoid overdraft fees.