Earnin

Company research

Public company, workplace, funding, and market signals

Updated Jul 29, 2026

Overview

EarnIn is a Mountain View-based fintech that lets workers access wages they have already earned, and has expanded from consumer earned-wage access into a broader earnings-management platform with payroll and financial wellness products.

Primary product

Earned wage access app (Cash Out)

Founded

2012

Headquarters

Mountain View, California, United States

Team size

201-500

Work style

Flexible

Industry

Financial Services

Sub-industry

Fintech / earned wage access / payroll software

Offices

Mountain View, CA (HQ)

Loveland, OH

Palo Alto, CA

Vancouver, BC, Canada

Mexico City, Mexico

Bengaluru, India

Bangkok, Thailand

Business model

consumer earned wage access (EWA)

B2B payroll software

fee-based expedited transfers

financial wellness add-ons

Funding

Stage

late-stage private, venture-backed, with recent debt financing

Total raised

$421.2M

Latest round

Line of Credit - II · Sep 2025

Latest amount

$150M

Line of Credit - II

Sep 2025 · Cross River

$150M

Line of Credit II

Sep 2025 · Cross River Bank

$150M

Debt Financing

Sep 2025 · Mitsubishi UFJ Financial Group (MUFG)

$75M

Line of Credit

Sep 2025 · MUFG Bank

$75M

PPP Loan

Apr 2020 · Paycheck Protection Program

$3.5M

Series C

Dec 2018 · Spark Capital / DST Global

$125M

Series B

Sep 2017 · Andreessen Horowitz

$39M

Series A

Jan 2017 · Matrix Partners

$22M

Seed Round

Jul 2014 · Felicis Ventures

$4.1M

Seed

Jul 2014 · Ribbit Capital and Felicis Ventures

$4.1M

People & investors

Leadership

Ram Palaniappan

Founder & CEO

Ofer Shaked

Chief Technology Officer

Sean Delehanty

Chief Financial Officer

Yair Rivlin

Chief Product Officer

Sangeetha Raghunathan

Chief Compliance Officer, General Counsel, Head of Government Relations

Penelope Talbot-Kelly

GM, B2B Sales and Solutions

Investors

Work & culture

Distributed remote and hybrid teams across multiple countries; EarnIn emphasizes belonging, collaboration, impact, inventiveness, employee resource groups, volunteering, mentoring, and career development.

Work style

Flexible

Compensation

Public job postings use location-based salary bands and include equity and benefits; examples surfaced publicly include a Mountain View range of $228k-$279k plus equity/benefits and a Canada range of $199k-$244k plus equity/benefits.

Benefits

mentoring program

annual education/training stipend

generous PTO

parental leave

caregiver leave

medical insurance

dental insurance

vision insurance

life insurance

disability insurance

wellness programs

fertility support

employee assistance program

401(k)

FSA

Product & market

Pricing

Core Cash Out has no mandatory fees or interest; Lightning Speed and Early Pay are fee-based add-ons, and the B2B payroll product is enterprise-priced but not publicly disclosed.

Differentiators

—access to wages already earned before payday
—no mandatory fees or interest on core Cash Out
—no credit check for core product
—no employer integration required for core EWA
—real-time Live Pay through EarnIn Card
—broader suite of financial wellness tools
—consumer app plus B2B payroll platform
—global distributed workforce supporting multi-country operations

Technology

AWS

EC2

Amazon EKS / Kubernetes

Aurora RDS / MySQL

DynamoDB

SQS

SNS

Redis / ElastiCache

Kafka

Terraform

GitHub

Jira

PostgreSQL

Databricks

Spark

Customers

hourly workers

salaried workers

people living paycheck to paycheck

frontline workers

teachers

nurses

military personnel

employers

payroll providers

Competitors

DailyPay

Payactiv

Dave

Chime

MoneyLion

Branch

Clair

Tapcheck

Empower

Minu

Scale & contact

Estimated revenue

US$80M–US$90M

Estimated monthly visits

1.1M

Traffic estimate as of May 2026

support@earnin.com 1-888-551-1784

Signals & risks

Acquisition

May 2020

EarnIn acquired Tip Yourself, expanding its savings-oriented product set.

Source

Acquisition

Jun 2026

EarnIn launched Earn Better after acquiring EarnBetter, adding a jobs platform and AI-assisted job search tools.

Source

Other

Feb 2026

The D.C. Court of Appeals left in place dismissal of several D.C. Attorney General claims against EarnIn; the litigation and broader EWA regulatory scrutiny remain a material legal risk.

Source

Latest news

EarnIn adds jobs platform as wage access draws scrutiny

PYMNTS · Jul 2026

EarnIn launched Earn Better, a jobs platform intended to extend the app’s value proposition beyond wage access and support users between jobs.

EarnIn Launches Jobs Platform, Extending Its Mission to Help Workers Get Back to Earning Faster

Business Wire · Jun 2026

EarnIn launched Earn Better after acquiring EarnBetter, adding a free jobs platform with AI resume, cover letter, interview coaching, and application tracking tools.

EarnIn Fuels the Shift to Real-Time Income with More Than One Million Live Pay Transactions

Business Wire · Mar 2026

EarnIn said Live Pay surpassed one million transactions since July 2025 and cited strong engagement and credit-score improvement signals.

D.C. appeals court hands favorable ruling to EWA fintech EarnIn

American Banker · Feb 2026

The D.C. Court of Appeals declined to review an interlocutory appeal in litigation over whether EarnIn's products are loans, leaving a favorable lower-court dismissal in place for now.

D.C. Court of Appeals leaves in place dismissal of OAG claims against EarnIn

PR Newswire · Feb 2026

The D.C. Court of Appeals declined the D.C. Attorney General’s mid-case appeal request, leaving in place a dismissal of most claims while the broader case continued.

Jobs and careers at Earnin

17 jobs at Earnin

Senior Platform Engineer

On-site

Engineering

Mountain View, US; Mountain View, California, United States

3d ago

On-site

Full-time