Earnin's mission is to build a financial system that works for people. The financial system doesn’t work for people. But Earnin does. Earnin is an app that lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. App users can receive their money in their bank account instantly at little or no cost — as they operate on a pay what you choose model. All they need is a bank account and a job that provides direct deposit or uses electronic timesheets.