Earnin is an app-based service that allows users to access their earned wages before payday, offering cash advances of up to $150 per day, with a maximum of $750 per pay period. There are no fees or interest charges; instead, users have the option to leave a tip they feel is fair. Funds are available instantly, providing immediate access to cash for unexpected expenses. Repayment is automatic and occurs when the user's paycheck is deposited. There is no credit check, making it accessible to those with poor or limited credit history. However, the amount you can borrow is limited, which may not suffice for larger financial needs. To use Earnin, you must download the app and meet certain eligibility criteria, such as having a regular pay schedule and using direct deposit. With a Trustpilot score of 4.5, Earnin has generally positive user reviews. Borrowers should ensure they understand how the service works and that they can manage the repayment to avoid potential overdrafts or financial strain.