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earnin.com
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earnin.com

14 technologies
VerifiedVisit1.1M/mo$94M54014 Tech25 Leads
Deep Dive

EarnIn: The $1B Trojan Horse in Banking

How a payday loan alternative captured 1M+ users without becoming a bank

EarnIn isn't a lender—it's a time machine. While banks make you wait 2 weeks for money you've already earned, this 540-person startup has unlocked $93.6M in annual revenue by solving one brutal problem: cash flow timing.

1.1M
monthly visits
$93.6M
annual revenue
56%
direct traffic
4.8/5
trustpilot rating

"EarnIn didn't disrupt payday loans—they made them obsolete by attacking the root cause: the pay cycle itself."

The Trojan Horse Strategy

Here's the genius: EarnIn operates as a tech platform, not a bank. No interest, no fees (just tips). They've built a 56% direct traffic moat—over half their users type 'earnin.com' directly. That's product-market fit most fintechs dream of. Their 1,961 Trustpilot reviews at 4.8/5 prove they're not predatory—they're essential.

Search Dominance

The keyword data reveals their positioning war: they own 'earnin' (26K searches) but also battle 'payday loans' (40K searches). They're winning the rebrand. Users search for the solution, not the problem. Even typos ('earin', 970 searches) convert. This is brand gravity.

With $293M in funding, EarnIn has the firepower to scale. But their secret isn't capital—it's architecture. Next.js, Tailwind, and Datadog RUM power a snappy experience. They're not just moving money; they're moving faster than legacy banks can even process a transaction.

  • 56% direct traffic = insane retention & brand recall
  • 30% organic search = zero CAC on branded terms
  • AI/ML leadership (Raynor Ren) suggests predictive features coming
  • 95% of traffic is 'undefined' country—likely US mobile-first
No interest-bearing products
Instant access to earned wages
No physical branches
Community-based 'Lightning Speed' network
Not a bank (no FDIC insurance)
AI-powered spending insights

The Real Moat Isn't Tech—It's Trust

540 employees, 1M+ users, $93M revenue. EarnIn proved that financial services don't need to be extractive to be profitable.

What tech stack does Earnin use?

19 detected
Security1
Cloud & Hosting1
A/B Testing1
Web Standards1
UI Libraries1
Frontend Frameworks1
Tracking & Analytics5
G
Google Analytics
G
Google Tag Manager
S
Segment
G
Google Tag Manager
A
Amazon CloudFront

How much traffic does Earnin get?

Traffic & Engagement

1.1M
Monthly Visits
3.2
Pages/Visit
1:44
Avg. Duration
50%
Bounce Rate
Monthly Traffic Trend-27%
1.5M
Oct 2025
Oct
1.4M
Nov 2025
Nov
1.1M
Dec 2025
Dec

Traffic Sources

Search
30%
Direct
56%
Social
2%
Referrals
8%
Email
0%
Paid
4%

Where is Earnin's audience located?

🌍81.0%
🌍4.9%
🌍1.2%
🌍1.1%
🌍1.0%

What keywords does Earnin rank for?

5 keywords
1earnin26.1K vol$5.87
2earnin careers1.1K vol$1.04
3payday loans40.4K vol$6.11
4earn in1.1K vol$7.32
5earin970 vol$2.86

How is Earnin's SEO?

Open Graph Image

OG Image preview
og:image

https://www.earnin.com/assets/img/share.png

Meta Tags

title42 chars

EarnIn | You worked today. Get paid today.

description148 chars

EarnIn is an app that gives you access to the pay you've earned - when you want it. Get paid for the hours you've worked without waiting for payday.

languageEN

H1 Tags

h1Why wait for money you’ve already earned?

Schema Types

Unknown

What is Earnin's revenue?

$94M
Annual Revenue
540
19%
Employees
$173K
Revenue/Employee
$293M
Total Funding
#8,696
Growjo Rank
Fintech
Palo Alto, United States
Headquarters

Who works at Earnin?

Loading leads...

What do customers think of Earnin?

EarnIn

EarnIn

4.8
1,961 reviews
✓ Claimed

Activity & Engagement

Reply Rate
97.95918367346938%
Avg. Reply Time
0.0 days
Claimed Date
1/13/2022

Contact Information

Address:
200 Portage Ave
Palo Alto, US

Reviews (20)

Filter by rating:
Katie Reuter
1/19/2026
🇺🇸 United States1 reviewsBasicLinkVerified
Experience date: 1/5/2026
My problem was quickly resolved and ALL…

My problem was quickly resolved and ALL within 5 minutes, on a chat, while I'm at work. Quickly, efficiently, understandable and friendly. Thank you for your quick assistance.

Jerry Blevins
1/19/2026
🇺🇸 United States3 reviewsBasicLinkVerified
Experience date: 1/7/2026
A blessing

very professional and understanding

Tony V.
1/18/2026
🇺🇸 United States1 reviewsBasicLinkVerified
Experience date: 1/18/2026
Mariflor R

Mariflor R. Was very helpful, patience and answered all my questions and concerns that I had ! Great communication and experience. 1/18/26 -Tony V.

Laura
1/17/2026
🇺🇸 United States3 reviewsBasicLinkVerified
Experience date: 1/15/2026
BEST CASH ADVANCE APP!

The #1 Cash Advance App there is!

Hannah Pesina
1/17/2026
🇺🇸 United States1 reviewsBasicLinkVerified
Experience date: 1/6/2026
I would give it a 1000/10

I would give it a 1000/10 . Love this app and the customer service is quick and efficient . This is a kind company and I would recommend everyone I know to use Earnin

Frequently Asked Questions about Earnin

What is Earnin's Revenue?
Earnin generates approximately $94M in annual revenue. With 540 employees, that's $173,355 per employee. The company has raised $293M in total funding.
What does Earnin do?
EarnIn is an app that gives you access to the pay you've earned - when you want it. Get paid for the hours you've worked without waiting for payday.
How fast is Earnin growing?
Earnin employee count has changed by 19% year over year.
What technologies does Earnin use?
Earnin uses 14 technologies across their website including Security, Cloud & Hosting, A/B Testing. Key technologies include HSTS, Netlify, Optimizely.
Who are Earnin's competitors?
Earnin's main competitors include Klover. These companies operate in similar markets and compete for the same customer base.
What do customers think of Earnin?
Earnin has a Trustpilot score of 4.8 out of 5 (5 stars) based on 1,961 customer reviews.

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How to contact Earnin?

Export earnin.com Data

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About earnin.com

EarnIn is an app that gives you access to the pay you've earned - when you want it. Get paid for the hours you've worked without waiting for payday.

Company Overview

earnin.com
Website
finance
Industry
#46,088
Global Rank
1.1M
Monthly Visitors
14
Technologies
25+
Employees

Contact earnin.com

Technology Stack

earnin.com uses 14 technologies across their website including HSTS, Netlify, Optimizely, and more.

Security

HSTS

Cloud & Hosting

Netlify

A/B Testing

Optimizely

Analytics & Marketing

Datadog RUM, Segment, Google Tag Manager, Google Analytics

Performance

Lazy Loading, Priority Hints

Web Standards

Twitter Cards

Traffic & Audience

1.1M
Monthly Visits
50%
Bounce Rate
3.2
Pages/Visit
1:44
Avg. Duration

earnin.com receives approximately 1.1M monthly visitors and ranks #46,088 globally. The website has a bounce rate of 50% with visitors viewing an average of 3.2 pages per visit. Users spend an average of 1:44 on the site.

The majority of earnin.com's traffic comes from undefined, undefined, .

Frequently Asked Questions

What is earnin.com?
EarnIn is an app that gives you access to the pay you've earned - when you want it. Get paid for the hours you've worked without waiting for payday.
What technologies does earnin.com use?
earnin.com uses 14 technologies including HSTS, Netlify, and 8 more. View the full tech stack analysis above.
How do I contact earnin.com?
You can contact earnin.com through their contact page.
What are earnin.com's social media accounts?
earnin.com is active on twitter, youtube, facebook, instagram. You can find links to all their social media profiles in the social section above.
Is earnin.com hiring?
Check earnin.com's careers page for current job openings and opportunities. The company has 25+ known employees.
How popular is earnin.com?
earnin.com receives approximately 1.1M monthly visitors and ranks #46,088 globally. Traffic is declining by 21.8% month-over-month.

Related Searches

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This page provides publicly available information about earnin.com. Data is collected from various public sources and may not always be up to date. For the most accurate information, please visit earnin.com directly at https://earnin.com.