Summer 2026
Mobile Engineer Intern
iOS
Posted on 4/8/2026
EarnIn
501-1,000 employees
On-demand wage access via app
Compensation Overview
$30/hr
No H1B Sponsorship
Mountain View, CA, USA
Hybrid
Hybrid role requiring 2 days on-site per week in Mountain View.
Bachelor's, Master's
 Software Engineering (1) |
|---|
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- Currently pursuing or recently completed a Bachelor’s or Master’s degree in Computer Science or a related technical field.
- Strong foundation in computer science fundamentals, including data structures, algorithms, and debugging.
- Proficiency in Swift with an interest in iOS development.
- Curiosity to learn or experience in front end web development (e.g., HTML, CSS, JavaScript/TypeScript, React)
- Familiarity with mobile development concepts or iOS frameworks (e.g., UIKit or SwiftUI) is a plus
- Curiosity and willingness to learn
- Ability to communicate ideas clearly and collaborate effectively with cross-functional teams
- Strong written and verbal communication skills
- Excited to build user-facing products and improve the mobile experience for real users
- Prior internship or project experience is a plus, but not required
- Contribute to the development and enhancement of features in EarnIn’s iOS application and web surfaces
- Collaborate with backend engineers to integrate APIs and deliver seamless end-to-end user experiences
- Write clean, maintainable, and efficient Swift and React code following engineering best practices
- Participate in code reviews, testing, and debugging to ensure high-quality releases
- Work closely with product and design teams to translate requirements into intuitive mobile experiences
- Gain exposure to modern iOS and web development paradigms and tools
- Learn and apply best practices for performance, reliability, and usability in mobile applications
EarnIn provides wage access through a mobile app, allowing users to cash out a portion of their earned wages before payday without traditional fees or interest. Users choose how much to withdraw, with the deduction taken from their next paycheck; Balance Shield automates savings by topping up if balance falls too low; Tip Jar encourages saving and community contributions. The model relies on voluntary payments from users, enabling pay-what-you-want contributions rather than mandatory fees. The company emphasizes a community-driven approach to financial fairness and security with 256-bit encryption.
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$415.1M
Headquarters
Mountain View, California
Founded
2012
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See people who can refer or advise you
Simplify's Take
What believers are saying
- MUFG provided EarnIn a $75 million revolving facility on September 4, 2025.
- EarnIn passed one million Live Pay transactions, validating real-time pay demand.
- Earn Better launched with five million jobs and free AI tools in June 2026.
What critics are saying
- November 2025 breach exposed Social Security numbers; class actions target EarnIn now.
- Payroll incumbents like Workday, ADP, and Gusto can bundle cheaper EWA features.
- Regulators can reclassify tipping-based EWA as lending, killing EarnIn's model by 2027.
What makes EarnIn unique
- EarnIn fuses earned-wage access, payroll, and jobs search into one worker app.
- Live Pay streams earnings in real time, built on proprietary worker data.
- Workday integration exposes EarnIn to 11,500 organizations and 65% of Fortune 500.
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Benefits
Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.
Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.
Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.
Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company *you* want to work at (more on that below).
Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.
Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.
Growth & Insights and Company News
6 month growth
↑ 2%1 year growth
↑ 2%2 year growth
↑ 4%EarnIn raises $75M Debt Financing. EarnIn secures a $75M debt financing facility from MUFG to support the expansion of its real-time earnings management platform and financial wellness products. Updated August 31, 2026 EarnIn, a fintech company providing earnings management and financial wellness solutions, has secured a $75M senior secured revolving credit facility from Mitsubishi UFJ Financial Group (MUFG). Investors. Mitsubishi UFJ Financial Group (MUFG) served as the sole lender for this financing facility. EarnIn use of funds. The company plans to use the capital to provide scalable and cost-effective funding to support its growth and the expansion of its suite of products, including its flagship offering, Live Pay. About EarnIn. EarnIn is a fintech company focused on earned wage access and financial wellness. Its products include Early Pay, which gives workers access to wages up to two days before payday, and Cash Out, which allows employees to access a portion of their earned income before payday. Its Live Pay product enables employees to stream their earnings in real time. Funding details. Company: EarnIn Raised: $75M Round: Debt Financing Funding Date: September 4, 2025 Lead Investor: Mitsubishi UFJ Financial Group (MUFG) Software Category: FinTech Source: https://fintech.global/2025/09/04/earnings-platform-earnin-secures-75m-financing-from-mufg/ Updated August 31, 2026
Colorado sues EarnIn, calling earned wage advances illegal payday loans. Colorado Attorney General Phil Weiser yesterday announced the state had filed a lawsuit against Activehours Inc., which does business as EarnIn, alleging the earned wage access provider made millions of unlicensed high-cost loans to state residents and used manipulative app design to collect finance charges. EarnIn markets advances it calls "Cash Outs" as access to already-earned pay with no interest and no hidden fees, and states that consumers have no obligation to repay. Plaintiffs allege the product functions as a loan under the Colorado Supreme Court's 2015 decision in Oasis Legal Finance Group v. Coffman, which looked to the substance of a transaction rather than its label. The complaint states that EarnIn conditions advances on a preauthorized ACH debit, reserves the right to reinitiate failed debits for up to 150 days, and blocks consumers from further advances until outstanding balances are paid. Between January 2023 and July 2025, according to the complaint, EarnIn made 3,163,906 loans to 56,778 Colorado consumers, advancing roughly $300 million and collecting $16,144,232.54 in tips and expedite fees marketed as "Lightning Speed." Consumers paid a tip or an expedite fee on 92.10% of transactions, producing an average APR of 387.69% on an average advance of $94.87 with a term of about 9.74 days. Consumers repaid on 99.18% of transactions. The complaint cites individual borrowers, including one who took 1,151 advances and paid $4,038.50 in expedite fees at an average 1,421.06% APR, and another who took 1,033 advances and paid $8,561.22 at an average 1,539.55% APR. EarnIn is also accused of deploying interface tactics it internally called "roadblocks" to suppress $0 tips, including a default $11 tip on a $100 advance that required 13 taps to zero out, a de-emphasized custom tip button, and messaging such as "pay it forward." The complaint states tips went to EarnIn rather than to other users. EarnIn stopped charging tips in July 2025. The six claims include excess charges, disclosure failures and unlicensed supervised lending under the UCCC, violation of the Deferred Deposit Loan Act enacted through 2018's Proposition 111, and two Colorado Consumer Protection Act counts covering dark patterns and false statements concerning price.
EarnIn, a leading earnings management company, has partnered with Workday to integrate its services into Workday's Enhanced Direct Deposit Switching programme. The collaboration will provide employees across Workday's ecosystem — which serves over 11,500 organisations globally, including more than 65% of Fortune 500 companies — with access to EarnIn's financial tools. The integration uses new API technology to streamline the enrollment process, eliminating manual entry of banking details. Employees who sign up through Workday's system can access various EarnIn services, including early pay and credit monitoring features. The service will become available to employees of Workday payroll customers from 1 October 2026. EarnIn founder and CEO Ram Palaniappan described the partnership as bringing earnings management tools directly into systems employees use daily.
EarnIn launches jobs platform. MOUNTAIN VIEW, Calif. - EarnIn, the leading earnings management company, today announced the launch of Earn Better, a jobs platform designed to help the American workforce get back to work faster and improve their earnings over time with better-paying roles. By expanding from helping people access the pay they've already earned to helping them get back to earning faster after job loss, EarnIn is extending its mission to support workers through every stage of their financial journey. Job loss and employment disruptions affect millions of people every year. Today, more than 7 million Americans are unemployed, and over 20 million experience involuntary job separations annually due to layoffs, terminations, or other disruptions. EarnIn has direct visibility into this challenge, with approximately one million customers experiencing income interruptions each year due to job loss. Earn Better is uniquely positioned to solve this disruption, bringing job discovery directly into the EarnIn app with access to job recommendations and free tools to help workers get back to work faster. "Career and financial momentum are tightly connected," said Tuck Hauptfuhrer, VP of Product at EarnIn and former CEO and co-founder of EarnBetter, which supported nearly one million job seekers prior to joining EarnIn. "Many tools that can help in the job search are paywalled, and most job sites are saturated with employer ads and engineered to drive the next click or application. Earn Better was developed to democratize access to support and provide job recommendations not influenced by ads in order to help people get to their next paycheck as quickly as possible." Earn Better is now built directly into the EarnIn app and will launch with access to more than 5 million job openings, along with free, AI-powered tools to help people get hired faster. These include an AI resume and cover letter builder, personalized interview preparation and coaching, and a job tracker to manage applications, all without subscriptions or paywalls. Over time, the platform plans to incorporate EarnIn's proprietary earnings data to identify opportunities that offer stronger pay and more consistent income. "We started EarnIn to help people control their earnings," said Ram Palaniappan, founder and CEO of EarnIn. "The next phase is helping people get back to earning faster and improving their earnings over time. Through EarnIn's network of millions of connected workers, we have real-time visibility into earnings across employers, jobs and locations. We want to harness this data to help working Americans identify pathways to grow their earnings."
EarnIn has launched Earn Better, a jobs platform integrated into its app to help workers find employment faster following job loss. The platform offers access to over 5 million job openings alongside free AI-powered tools, including resume and cover letter builders, interview coaching and job tracking. The move addresses a significant problem: over 7 million Americans are currently unemployed, with 20 million experiencing involuntary job separations annually. EarnIn sees approximately one million of its customers face income interruptions each year due to job loss. Earn Better operates without subscriptions or paywalls and plans to leverage EarnIn's proprietary earnings data to identify higher-paying opportunities. The platform aims to help workers return to earning quickly whilst improving their long-term income prospects through better job matching.