Full-Time
Confirmed live in the last 24 hours
Provides early wage access without fees
$186.3k - $227.7kAnnually
Senior
Remote in USA
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Earnin provides a platform that allows individuals to access their earned wages before their official payday. Users can cash out a portion of their earnings without incurring any fees or interest, making it a convenient option for those needing quick funds for emergencies or daily expenses. The app features a "Balance Shield" that helps users maintain their bank account balance by automatically depositing money if it falls below a certain level. Unlike traditional financial institutions, Earnin operates on a community-driven model where users can voluntarily contribute to the service, fostering a culture of support and fairness. This approach allows users to choose how much they want to pay for the service, which can be as little as zero dollars. Additionally, the "Tip Jar" feature encourages users to set savings goals in an engaging way. Earnin prioritizes user privacy and data security with 256-bit encryption, aiming to create a more equitable financial system.
Company Size
201-500
Company Stage
Series C
Total Funding
$184.9M
Headquarters
Palo Alto, California
Founded
2012
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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.
Another vc-backed fintech, Earnin, faces crackdown over allegedly 'predatory' loans.
D.C. Attorney General sues EarnIn for deceptive lending practices and illegal high-interest loans.
Gig workers face unique financial challenges that traditional banking institutions often fail to address. With irregular income patterns and lack of conventional employment documentation, many find themselves excluded from standard financial products. Banks typically require steady paychecks and extensive credit history, creating significant barriers for those working in ride-sharing, delivery services, freelance platforms, or other gig economy roles. This gap has created a pressing need for innovative financing solutions tailored to the modern workforce’s actual working patterns and income structures.Income-Based Lending SolutionsIncome-based lending has emerged as a practical alternative to traditional credit-based loans. These solutions analyze real-time earnings data from gig platforms to determine loan eligibility and terms. Instead of focusing solely on credit scores, lenders evaluate consistent earning patterns and work history, opening doors for workers who maintain steady gig income but may have imperfect credit. This approach provides a more accurate picture of a borrower’s ability to repay, considering factors like platform-specific performance metrics, customer ratings, and historical earnings data across multiple gig platforms.Early Wage Access ProgramsEarly wage access has revolutionized how gig workers manage cash flow. Rather than waiting for scheduled payouts, workers can access their earned wages immediately after completing tasks
BURLINGAME, Calif., Aug. 27, 2024 /PRNewswire/ -- unitQ, the leading AI-powered customer feedback platform empowering organizations to take a customer-centric, real-time data-driven approach to craft high quality products, services and experiences, announced today the 50 winners of the unitQ 2024 Summer Quality Excellence Awards.These awards celebrate and recognize companies that have shown exceptional commitment to delivering consistently high-quality products and services, and have earned overwhelmingly positive user feedback.Recognizing companies delivering quality products and services, and have earned overwhelmingly positive user feedback Post thisThe winners are setting new benchmarks for excellence in their respective sectors, demonstrating unparalleled dedication to the customer experience. These awards represent a commitment from product, engineering and support teams to foster a culture of continuous improvement backed by high user satisfaction."The dedication and effort these companies have shown in upholding superior quality across their offerings and client interactions is remarkable and deserves recognition with the unitQ Quality Excellence Award," said Christian Wiklund, unitQ CEO. "We are proud to honor these organizations for their unwavering commitment to excellence."The unitQ 2024 Summer Quality Excellence Awards, released today, are grounded on the comprehensive AI analysis provided by unitQ's customer feedback software. unitQ's proprietary AI and ML algorithms translated, categorized and summarized 40,040,889 pieces of publicly available Google Play Store and Apple App Store user reviews for 7,850 top Android and iOS top mobile applications, surfacing:Top Quality IssuesTop feature requestsTrending 4-start reviews on brink of a 5-star reviewTop 50 apps driving quality excellenceRecipients were among those companies that received a Good to Epic unitQ Score. The unitQ Score is unitQ's unbiased and proprietary machine-generated metric that represents the percentage of a company's users reporting a frictionless experience with their product or service
TabaPay, Inc. were given the award for most innovative payments, along with its partner Earnin, who received the Best Payments App award.