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Founded Year



Loan | Alive

Total Raised


Last Raised

$3.5M | 4 yrs ago

About EarnIn

EarnIn operates as a financial technology company. It provides a platform that lets customers get paid for their working hours, without charging any interest on the payments that clients receive. The company was formerly as ActiveHours. It was founded in 2012 and is based in Palo Alto, California.

Headquarters Location

200 Portage Avenue

Palo Alto, California, 94306,

United States



EarnIn's Product Videos

ESPs containing EarnIn

The ESP matrix leverages data and analyst insight to identify and rank leading companies in a given technology landscape.

Enterprise Tech / HR Tech

The earned wage access (EWA) platforms market aims to solve the problem of people having to wait 2-4 weeks for their pay, which can lead to financial stress and reliance on high-cost credit options. EWA platforms allow employees to access their earned pay as they go, improving financial wellness and reducing turnover for employers. These platforms offer a range of benefits, including financial edu…

EarnIn named as Outperformer among 15 other companies, including DailyPay, Branch, and Atomic.

EarnIn's Products & Differentiators

    Cash Out

    Our core Cash Out product supports employees from over 50,000 businesses. Employees simply sign up to the Earnin app, state who their employer is and connect their bank account. Employees can access upto $100/ day upto $500/pay period of wages they have already earned. On payday we debit directly from their bank account.


Research containing EarnIn

Get data-driven expert analysis from the CB Insights Intelligence Unit.

CB Insights Intelligence Analysts have mentioned EarnIn in 1 CB Insights research brief, most recently on May 20, 2021.

Expert Collections containing EarnIn

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

EarnIn is included in 9 Expert Collections, including HR Tech.


HR Tech

4,168 items

The HR tech collection includes software vendors that enable companies to develop, hire, manage, and pay their workforces. Focus areas include benefits, compensation, engagement, EORs & PEOs, HRIS & HRMS, learning & development, payroll, talent acquisition, and talent management.


Fintech 100

498 items

250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.


Digital Lending

2,171 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.


Gig Economy Value Chain

155 items

Startups in this collection are leveraging technology to provide financial services and HR offerings to the gig economy industry


Future Unicorns 2019

50 items


Financial Wellness

245 items

Track startups and capture company information and workflow.

EarnIn Frequently Asked Questions (FAQ)

  • When was EarnIn founded?

    EarnIn was founded in 2012.

  • Where is EarnIn's headquarters?

    EarnIn's headquarters is located at 200 Portage Avenue, Palo Alto.

  • What is EarnIn's latest funding round?

    EarnIn's latest funding round is Loan.

  • How much did EarnIn raise?

    EarnIn raised a total of $196.2M.

  • Who are the investors of EarnIn?

    Investors of EarnIn include Paycheck Protection Program, Nasir Jones, Ribbit Capital, Felicis, Matrix Partners and 10 more.

  • Who are EarnIn's competitors?

    Competitors of EarnIn include ZayZoon, Immediate, Instant Financial, Tapcheck, SoLo Funds and 7 more.

  • What products does EarnIn offer?

    EarnIn's products include Cash Out and 2 more.

  • Who are EarnIn's customers?

    Customers of EarnIn include Walgreens.


Compare EarnIn to Competitors

DailyPay Logo

DailyPay provides a payroll management platform. It offers services to employees for paying bills on time and avoiding late fees, helping them reach financial goals. The company allows employees access to manage wages across a wide range of industries, including cleaning, healthcare, retail, transportation, and more. It was formally known as Beach HoldCo. It was founded in 2015 and is based in New York, New York.

PayActiv Logo

PayActiv provides a financial wellness platform. The company offers a suite of services that include banking products, savings and budgeting tools, bill payments, and financial health measurements. It was founded in 2012 and is based in San Jose, California.

Branch Logo

Branch operates as a business payment acceleration company. It offers digital payouts of tips, wages, and off-cycle payments, earned wage access, fee-free banking, and pay card alternatives. The company was founded in 2015 and is based in Golden Valley, Minnesota.

Wagestream Logo

Wagestream operates as an employee financial wellness platform. It allows workers to access earned income at any time during the monthly pay cycle without impacting cash flow, payroll, or timekeeping processes. It was formerly known as Paydays Technology. The company was founded in 2018 and is based in London, United Kingdom.


Immediate is a financial wellness company. It provides financial wellness solutions that helps businesses to recruit, engage, and retain employees. It allows mployees to utilize their existing time through a time tracking management software that updates worked and wages earned and allows them to transfer those earnings to a bank account or loadable debit card. The company was founded in 2019 and is based in Birmingham, Alabama.

Tapcheck Logo

Tapcheck provides a financial wellness platform for employees that promotes both employee and employer financial well-being. It assists businesses all around the country in promoting financial wellness and improving business success by allowing employees to access earned wages. The company was founded in 2019 and is based in Tarzana, California.


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