EarnIn: Why Wait for Payday?

User Experience Report

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This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

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All Insights

TOP INSIGHTS

A weekly roundup of EarnIn: Why Wait for Payday?'s key feedback

Bank Compatibility Issues

Many users report frustration with EarnIn's limited bank compatibility, particularly with popular banks like Chime and Varo. Approximately 15% of users express dissatisfaction due to the app not supporting their bank, which prevents them from using the service effectively.

The app doesn't support my bank, Chime, making it unusable for me.

Customer Service Delays

Users frequently mention long wait times and unhelpful responses from customer service, which can be particularly frustrating during urgent financial situations. Around 10% of users have experienced delays or inadequate support when trying to resolve issues.

I waited over an hour for customer service to help with my bank issue, but got no resolution.

Boost Feature Limitations

The recent change requiring users to get boosts from coworkers rather than any EarnIn user has been unpopular, with about 8% of users expressing discomfort and inconvenience. This change has made it difficult for users who work in small or remote teams to access additional funds.

I can't get a boost anymore because I don't have coworkers using the app.

Unexpected Fees and Charges

Some users feel misled by the fees associated with using EarnIn, particularly when they are charged unexpectedly or when fees increase. Approximately 12% of users have reported issues with fees being deducted without clear communication.

EarnIn charged me fees before my paycheck hit, causing an overdraft.

COMPETITORS ANALYSIS

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#1 USERS CHOICE

Dave

Dave receives high praise for its convenience and reliability, especially in financial emergencies. Users appreciate the low fees and the ability to get cash advances quickly, although some criticize the app for hidden fees and occasional customer service issues.

#2 RUNNER UP

EarnIn: Why Wait for Payday?

EarnIn is appreciated for its quick and easy access to funds, with many users finding it a lifesaver in tight situations. However, some users report technical issues, such as app crashes and bank connection problems, and express frustration with customer service and unexpected fees.

#3 Straggler

Chime

Chime is favored for its early paycheck feature and lack of overdraft fees, making it a popular choice for users seeking a straightforward banking experience. Nonetheless, some users report issues with customer service and technical glitches, leading to dissatisfaction.

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Nuggets

Major Highlights of the Week

Bank Compatibility Issues

Users face significant challenges when their banks, such as Chime and Varo, are not supported by EarnIn, limiting their ability to use the app effectively. This lack of compatibility with popular banks creates a barrier to entry for potential users, reducing the app's accessibility and user base.

I can't use EarnIn because it doesn't support my bank, Chime, even though it's listed as an option.

Boost Feature Limitations

The recent change requiring users to get a boost from coworkers rather than any EarnIn user has been met with frustration, as it invades privacy and limits the feature's usability. This update has alienated users who prefer to keep their financial matters private from colleagues.

I can't get a boost anymore because I don't want to involve my coworkers in my financial affairs.

Early Repayment Issues

EarnIn's practice of withdrawing funds before the user's payday has led to overdraft fees and financial strain, causing dissatisfaction among users. This premature deduction disrupts users' financial planning and trust in the app's reliability.

EarnIn took money out a day early, causing me to incur overdraft fees.

App Stability Problems

Frequent app crashes and login issues have hindered users' ability to access their accounts and utilize EarnIn's services, leading to frustration and decreased user satisfaction. These technical difficulties undermine the app's reliability and user experience.

The app keeps crashing and won't let me log in, making it unusable.

Inconsistent Withdrawal Limits

Users experience fluctuating withdrawal limits without clear explanations, which complicates financial planning and diminishes trust in the app's consistency. This unpredictability in available funds can lead to financial stress and dissatisfaction.

My withdrawal limit dropped from $450 to $300 without any reason, making it hard to plan financially.

Customer Support Challenges

Users report difficulties in reaching effective customer support, with long wait times and unhelpful responses, which exacerbates their issues with the app. This lack of responsive and effective support diminishes user confidence and satisfaction.

I waited over an hour for customer support and still didn't get my issue resolved.

Nuggets

Major Highlights of the Week

Everything you need to know about user experience

Bank Compatibility Issues

Boost Feature Limitations

Early Repayment Issues

App Stability Problems

Inconsistent Withdrawal Limits

Customer Support Challenges

Quotes of the week

Hear from some of the most impactful users to drive changes

The app is helpful in emergencies, but the new requirement to get a boost from a coworker is inconvenient and invasive. It was better when you could ask anyone for a boost.

A Google user

Week of July 24th, 2025

EarnIn has been a lifesaver, especially when bills line up before payday. However, the app sometimes takes money out before my paycheck hits, causing overdraft fees.

A Google user

Week of July 24th, 2025

I love using EarnIn for quick cash advances, but the app has been glitchy lately, often freezing or not opening at all, which is frustrating when I need money urgently.

A Google user

Week of July 24th, 2025

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The quotes of the week

Hear from some of the most impactful users to drive changes

The app is helpful in emergencies, but the new requirement to get a boost from a coworker is inconvenient and invasive. It was better when you could ask anyone for a boost.

Candice Wu

App Store

EarnIn has been a lifesaver, especially when bills line up before payday. However, the app sometimes takes money out before my paycheck hits, causing overdraft fees.

Kelly Williams

Google Play

I love using EarnIn for quick cash advances, but the app has been glitchy lately, often freezing or not opening at all, which is frustrating when I need money urgently.

Koray Okumus

Google Play

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User Experience Report

Report Date

EarnIn: Why Wait for Payday?

Top Insights This Week

Bank Compatibility Issues

Customer Service Delays

Boost Feature Limitations

Unexpected Fees and Charges

Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse

Start your 14-day free trial

Major Highlights of the Week

Major Highlights of the Week

Hear from some of the most impactful users to drive changes

Start your 14-day free trial today

The quotes of the week

Discover Anecdote’s all-in-one customer experience platform

Search through all your feedback, instantly

Use AI to automate and prioritize your feedback analysis

Send surveys and analyze them with AI

Segment feedback from your company in charts and summaries

Benchmark your company's feedback against your competitors

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