Stop saying $100 a day!!!!!! You are misleading people just like the app does. Its $100 a pay period! Not a day....it takes many months and a high average daily account balance to qualify for even $300. Stop saying $100 a day!!!!!!
'Ernit' app is the stupidest most ridiculous petty loan shark scam. The only things dumber than the very idea are the excuses the all teenagers in the commercial come up with to suggest downloading it. I love how Google isnt hip hops biggest fan. They absolutely never have any issue with constantly marketing anything fifty times worse.
You've just identified a huge section of the US population. Recent studies show most people don't even have 1k for a rainy day, some much less, maybe a few hundred dollars. For anyone who has children, they know how useful an app like Earnin is. I make 6 figures+ and STILL use Earnin when I need to. Things change, people fall into and out of work. Many tens of millions of people live paycheck to paycheck. Yes, you are already in trouble...which is the whole reason people use Earnin et al.
I don't use it to get money early. I use it as a loan. Rather pay $1 to earnin than to pay $50 extra on a late fee for a bill. It helped me a lot but yeah, don't make it a habit.
Granted I'm not the best with money and are anything but frugal..however I just want to say when you have no gas or lunch at work...this app is a life saver
Its a loan, when I got the 100 deposit into my account. I tipped a dollar and they ended up taking their 100 back from my account right after I got payed. They have a misleading concept but it is a loan.
@@Bubblewrap2099 wrong. It is clearly stated as not a loan. They do not fall under the same regulations and purposely state that you are under no obligation to pay back any "advance" and they can take no legal action or alert credit agencies at all. If you revoke authorization and owe earning 400 dollars, you can revoke authorization with your bank and earning can do nothing about it.
No you cash out 100 then they charge you $105. They advertise its not a loan but it is. It also tipping is optional but they force you to tip. DO NOT USE THIS APP JUST SAVE YOUR MONEY.
The issue I have with it is the one that you'd think would be obvious to everyone. This encourages paycheck to paycheck living and discourages saving money. It gives the illusion that there's always money there when you need it, much like credit cards but on a smaller scale. And people are falling for it.
First, I use both Earnin and Payday loans. A payday loan charges around 700-800% interest, so Payday loans are the worst of the worst, clearly. Now, for apps like Earnin, what some critics try to do is equate an Earnin advance to a traditional APR on a regular loan. So, with this line of reasoning, it goes that an Earnin tip (say $9) * 26 payments (i.e. bi-weekly pay cycle) is $234, or 234% APR. The problem with this argument is that the Earnin loan is repaid each time and then is complete yet the "234%" interest assumes the person is taking out and tipping the same amount each time, for a year (effectively only ever having $100 up at any given time during the year). So, if you only use Earnin when you have something that comes up mid pay cycle, then pay it back and don't use it again until the next unexpected emergency type scenario, this analogy breaks down quickly. But if you use it every single pay cycle, and tip each time on each $100 increment, that's when the payday loan argument becomes at least somewhat legitimate but still, much better than a Payday loan. So, yes, a bad way to access your cash but vastly less damaging and predatory than a payday loan. Basically, it's $234 per year for the benefit of accessing a portion of your pay early. If your life is chaotic, you have unexpected bills or can't afford to pay back Earnin and thus have to do yet another Earnin loan, each pay cycle, this is what happens. As for "tips", I've used Earnin for over 6 mo (off and on) and occasionally tip around $6 or $7 but usually $3 or less (I progressively tip less each time). Despite this, I routinely still had access to $400-$500. Interesting fact: Earnin is "lending" out about $250 - $300 million a month, and takes in about $8-$10 million in tips in that same period. That money allows them to pay their support, back office people, support their servers, etc. And at the end of the day, they probably have a tidy profit, still. Look, I have no interest in defending any app but I had to set the record straight here. I can't speak for any survey or being soft sold on Uber, I don't recall either. Also, I have never had an issue with Earnin other than one time when they had a server issue. Every other time they were good. I can say for sure, 100%, their chat support is the best in class. But hey, don't like Earnin? Np, try Branch. Same deal, even easier to use and only suggests $3 tips. Don't like Branch? Try Brigit. Don't like Brigit and just need a small early advance? Try Dave. They ALL access your bank account using standard bank approved data and security protocols.
Thanks for the info, I definitely won't be using the app that much. Though I am wondering when will my account be debited the loan amount. If they know when I get paid why would they charge my account before I'm paid? If I'm low on funds, that means my bank account has a low balance, so debiting my account beforehand is really dumb unless banks are paying them to do so, in order to charge us overdraft fees.
I've been seeing a crazy amount of ads for this app, so I wanted to do a little research on it. I feel like it's kind of dumb, because basically instead of being broke on a Tuesday you'll be broke on a Saturday.
There is some truth to that. But keep in mind some people don't make the same week to week (hourly wage workers) and could conceivably make more on their upcoming payday than they did last payday. Also, nobody says you have to keep using it every pay cycle. Pay it off, buckle down and if something comes up down the road, you hit it again.
@@Gignation pay loans are much worse than $20 per $100. a $300 payday loan will result in first service charge of around $90-$95 and it will repeat every 2 weeks until you pay down the principal or pay it off early. the best case is $390, which is more than $20 per $100
The problem I’m having with this app is the cash out limit. $100 isn’t enough. I make roughly $2300 a month and only being able to cash out $100 is a joke. Like let me get $1500 I’m trying to buy shit bro.
Hey man. Thanks for sharing. I like people, like you, who are out there hustling; turning over rocks. Here is what is a hustle in my Property Management Business.... a. I sold a new $650 refrigerator to a Property Manager, after marking it up 15%. b. I charged the Property Manager another $70 to install it and change door opening direction. c. I then charged the property manager $25 to haul off the old refrigerator. c. I then sold the "hauled off" old refrigerator, after cleaning, adding Freon, to a different PM for $145. Net result; about $400 pure profit and just part of a day's work. There are all kinds of ways to hustle. Keep digging . You'll find it's worth it. -
What they fail to mention in their cheesy ads though is that in the following week they snatch back everything you borrowed. It doesn’t matter to them if your account is over-drafted. But yet they make it seem as if you’re just simply getting your money earlier. Don’t use it..
Actully they overdraft my account and refunded me the money because they said they didnt want to overdraft my account. This isn't a app to use every week just for emergencies the app is really good.
For somebody only making 200 to 400 every check you are basically losing money while living paycheck to paycheck. Why not just set aside $100 every time you get paid and forget you have it so that way when little emergencies come up you have $200 to $400 that's all yours. There are no long term benefits to this app.
This was a great review! I totally agree with what you said about it being better to save than depend solely on this app but it has helped me tremendously on a week to week basis to get that extra cash flow when I’m in need. I personally do not tip every time I cash out. I probably do one dollar to two dollars a month so I will take this better than a payday loan for sure. Sadly, I do depend on this app to get by and it’s frankly quite addicting and hard to stop.
Thanks for giving some info on your experience Jasmine, this is really helpful. It sounds like you use the app more responsibly than others.. at a couple dollars per month it’s definitely a much better solution than a payday loan
Jonathan C Whitney It has definitely helped me a lot are used to get pay day loans that were so high in interest and when I found this app it’s changed my financial habits dramatically! So yes if used responsibly I would say it’s not a bad app at all!
Brandon R yea I got it with in seconds it depends on the bank you have and haven’t deleted it I’m going to Friday since that’s when I get paid (: and my experience was pretty great tbh
Brandon R. I really need to use this earnin app because I have a True emergency. What all do you have to have to be approved for money? My bank is Pnc.. I wonder if it would take a long time? Would you recommend this earnin app? Is it legit? Thank you!
@@tyronegoodwin729 I tried it out and its been legit so far. They might have your bank I'm not sure. It took a day to verify though then I was able to get 100 max but thats my limit at the moment until they decide otherwise. I dont see why if i make more than the 500max weekly but they said its computer generated based on different things
You’re not financially independent when you’re still using somebody else’s money before you get paid what do you need to do is become better at budgeting your own money
@@bjornofficial4688 how do u know 99% of the world gets paid every 2 weeks? The same question ur askin me can be asked for the person who said 99% of ppl get paid every 2 weeks. Ridiculous to say that.
Hey Jonathan! Thanks for the video. I have a question, how does it work if you’ve overdrawn in your bank account yet you need money to last the week, how do either of those apps work for this type of scenario?
The app has overdraw protection, so you’d pay a small fee (about $1.50) and it would auto deposit money to your account if you are at a very low level (this should keep you from overdrawing)
Jonathan C Whitney oh I see. So in that case if you have a overdrawn account and are trying to use the app, then this app wouldn’t necessarily work for the user, correct?
I haven’t tested it with an account that’s already overdrawn.. it would depend on your pay stubs likely, if you will make enough money next week to pay them back what you borrowed they may loan you money.
Your bank account cannot be over $100 overdrawn not even by a penny they will not let you cash out. If your overdrawn by $50 and you cash out $100 the bank will take their $50 leaving you with $50 and you still will have to pay $100 back to earnin on payday
I use Earnin. Never been charged any fees at all. I think before people just say OH your already in trouble using this service. 1. That's peoples personal business and choice. This is a tutorial not about opinions. And for some people it's not being in trouble, this may be for people who work extra jobs that are retired for example and actually can afford to use this service or its just convenient say you see a item you wanted to buy for a repair and found it on clearance for example and want to use this money instead of your regular other pay. This app isn't a partner with my side gig company but....they work together as a extra resource and I love it! Again never been charged for anything.
I had it for a while, but I stopped using it. To me, it was a payday loan in disguise, and all it did was turn into another bill, even if it was a small payback amount like $75 or so. I’ve trimmed other expenses and made more of an effort to add to my savings accounts. I see it being good for legitimate, DIRE, emergencies. With that said, dire emergencies tend to be more than $100 and that’s the max you can withdraw per day. Doesn’t seem worth it in the long run. I wouldn’t recommend Earnin as a first choice.
PS, if you haven’t seen the Netflix Documentary called Dirty Money, there’s an episode about payday loans. I highly recommend it. Use these apps carefully.
No fucking way! They want your sign in info... why when all they need is your acc/rt number to withdraw. I wouldn't give my momma that kind of control over my bank account. They won't be signing in and out of my account.
I get it but try saying that when your rent is $2000 per month just to live in a “decent” neighborhood. People usually say this when they live in a small town where rent and other cost of living is still cheap. No such thing as having a budget when you live in a big city if you’re not making at least $150K year
Wtf is wrong with people? Is getting your paycheck bimonthly something new to you that you can't figure out? If you're thinking about downloading this app, get your life together.
So watch your video and completely agree that the Earnin app is a scam for the stupid people. Once I finished your video a commercial for the Earnin App pops up. Wtf...
That's why I'm not doing that to much information for me haha they you 100.00 then you have to put that back not only that why do they need my account noo
Get $20 on Earnin when you sign up using this link: earnin.app.link/Jonathan5006
Lol
Gig nation trying to get his money tips back lmao 😂
Done ✅ 🤣
Stop saying $100 a day!!!!!! You are misleading people just like the app does. Its $100 a pay period! Not a day....it takes many months and a high average daily account balance to qualify for even $300. Stop saying $100 a day!!!!!!
Russia Uncensored
It’s per day
You’re already in trouble if you can’t make it to your paycheck. You’re just gonna get yourself in even more trouble paying fees
Yea, not a good situation to find yourself in
Some people are just idiots when it comes to money and 99% of financial institutions aim to take advantage of that.
Ean E can’t knock the hustle
'Ernit' app is the stupidest most ridiculous petty loan shark scam. The only things dumber than the very idea are the excuses the all teenagers in the commercial come up with to suggest downloading it. I love how Google isnt hip hops biggest fan. They absolutely never have any issue with constantly marketing anything fifty times worse.
You've just identified a huge section of the US population. Recent studies show most people don't even have 1k for a rainy day, some much less, maybe a few hundred dollars. For anyone who has children, they know how useful an app like Earnin is. I make 6 figures+ and STILL use Earnin when I need to. Things change, people fall into and out of work. Many tens of millions of people live paycheck to paycheck. Yes, you are already in trouble...which is the whole reason people use Earnin et al.
I don't use it to get money early. I use it as a loan. Rather pay $1 to earnin than to pay $50 extra on a late fee for a bill. It helped me a lot but yeah, don't make it a habit.
Granted I'm not the best with money and are anything but frugal..however I just want to say when you have no gas or lunch at work...this app is a life saver
Same😭
I got an Earnin ad on this. Swear to god
Edit: someone replied so I opened and got another one haha
No shame 😂
I also got one at the end of this vid
I did too wtf lol
Me tooooo
Same
When you get an ad for the Earnin app before the video
😂
No thanks. Ill just live week to week 😆
Same!
I like how the ads say its not a loan and he says loan about 100 times and the ads say no fees FALSE ADVRRTISEMENT
Its a loan, when I got the 100 deposit into my account. I tipped a dollar and they ended up taking their 100 back from my account right after I got payed. They have a misleading concept but it is a loan.
@@Bubblewrap2099 wrong. It is clearly stated as not a loan. They do not fall under the same regulations and purposely state that you are under no obligation to pay back any "advance" and they can take no legal action or alert credit agencies at all.
If you revoke authorization and owe earning 400 dollars, you can revoke authorization with your bank and earning can do nothing about it.
dose anyone know how to unlink it from your Bank account
Its real simple you borrow 100$ you tip on payday they remove 100 from ur bank the profit they make is the tips 🤦♂️
Truth
😂 dam thank you
I'm trying to stop they sending money to my account I don't need anymore... please stop 😞
No you cash out 100 then they charge you $105. They advertise its not a loan but it is. It also tipping is optional but they force you to tip. DO NOT USE THIS APP JUST SAVE YOUR MONEY.
@@Rogueex_X Why are you so mad. Are you really that bad that you can’t tip a few dollars? If you don’t like it, don’t use the app
My bi weekly paychecks are 1300 off I borrowed 1300$ in two weeks Id just have no check that following week correct? Someone please educate me 🙏
My bank wasn't even listed on the app to choose so that's a red flag by itself
@Dj Barnett Uncle Rico’s First National credit union
If you have Chime you can't do it
Not worth it rather be broke until payday in keep all my money.
Jonathan coleman true
The issue I have with it is the one that you'd think would be obvious to everyone. This encourages paycheck to paycheck living and discourages saving money. It gives the illusion that there's always money there when you need it, much like credit cards but on a smaller scale. And people are falling for it.
First, I use both Earnin and Payday loans. A payday loan charges around 700-800% interest, so Payday loans are the worst of the worst, clearly. Now, for apps like Earnin, what some critics try to do is equate an Earnin advance to a traditional APR on a regular loan. So, with this line of reasoning, it goes that an Earnin tip (say $9) * 26 payments (i.e. bi-weekly pay cycle) is $234, or 234% APR. The problem with this argument is that the Earnin loan is repaid each time and then is complete yet the "234%" interest assumes the person is taking out and tipping the same amount each time, for a year (effectively only ever having $100 up at any given time during the year). So, if you only use Earnin when you have something that comes up mid pay cycle, then pay it back and don't use it again until the next unexpected emergency type scenario, this analogy breaks down quickly. But if you use it every single pay cycle, and tip each time on each $100 increment, that's when the payday loan argument becomes at least somewhat legitimate but still, much better than a Payday loan. So, yes, a bad way to access your cash but vastly less damaging and predatory than a payday loan. Basically, it's $234 per year for the benefit of accessing a portion of your pay early. If your life is chaotic, you have unexpected bills or can't afford to pay back Earnin and thus have to do yet another Earnin loan, each pay cycle, this is what happens.
As for "tips", I've used Earnin for over 6 mo (off and on) and occasionally tip around $6 or $7 but usually $3 or less (I progressively tip less each time). Despite this, I routinely still had access to $400-$500. Interesting fact: Earnin is "lending" out about $250 - $300 million a month, and takes in about $8-$10 million in tips in that same period. That money allows them to pay their support, back office people, support their servers, etc. And at the end of the day, they probably have a tidy profit, still.
Look, I have no interest in defending any app but I had to set the record straight here. I can't speak for any survey or being soft sold on Uber, I don't recall either. Also, I have never had an issue with Earnin other than one time when they had a server issue. Every other time they were good. I can say for sure, 100%, their chat support is the best in class. But hey, don't like Earnin? Np, try Branch. Same deal, even easier to use and only suggests $3 tips. Don't like Branch? Try Brigit. Don't like Brigit and just need a small early advance? Try Dave. They ALL access your bank account using standard bank approved data and security protocols.
What would happen if someone linked a card that isn’t able to process the loan. do they just shut the account down?
Like if a earnin ad came on before the video 😂
I'll just continue to ask my friends for $100, and pay them back next pay.
How do you pay back Earnin if they automatically cashed out?
I can only cash out when I get paid lol
Idk why but I feel as if this app is so similar to a pawnshop style loan
Yet you control the the percentage of the loan. I usually only tip 5% less than when I go out to eat. And I get money I need right away.
i have borrowed 120 dollars over one week and tipped 1 dollar every time it asks me too it says now that I owe them 150 dont use this app
Thanks for the info, I definitely won't be using the app that much. Though I am wondering when will my account be debited the loan amount. If they know when I get paid why would they charge my account before I'm paid? If I'm low on funds, that means my bank account has a low balance, so debiting my account beforehand is really dumb unless banks are paying them to do so, in order to charge us overdraft fees.
They take the money back on your pay day .. they can’t take if no money is in your account
I've been seeing a crazy amount of ads for this app, so I wanted to do a little research on it. I feel like it's kind of dumb, because basically instead of being broke on a Tuesday you'll be broke on a Saturday.
There is some truth to that. But keep in mind some people don't make the same week to week (hourly wage workers) and could conceivably make more on their upcoming payday than they did last payday. Also, nobody says you have to keep using it every pay cycle. Pay it off, buckle down and if something comes up down the road, you hit it again.
@@eyeonchina2023 that makes sense. I think if used with responsible moderation, it might actually be a helpful app
So it's recommend to tip even though it charges you for using the app yet it a "free app"
Why wouldn't you tip? I've gone as low as only tipping $1 for every $100 I borrowed.
Payday loans are about $20 per $100. Killer....
That’s a crazy price to pay for $100, very predatory
Thats insane
@@Gignation pay loans are much worse than $20 per $100. a $300 payday loan will result in first service charge of around $90-$95 and it will repeat every 2 weeks until you pay down the principal or pay it off early. the best case is $390, which is more than $20 per $100
Can I use this if I got tva
The problem I’m having with this app is the cash out limit. $100 isn’t enough. I make roughly $2300 a month and only being able to cash out $100 is a joke. Like let me get $1500 I’m trying to buy shit bro.
Right, why are they saying we can withdraw 100 a day but it keeps telling me that I’m at my max and need a boost. Tf
the "earnin'" app is a symptom of an illness in one's financial wellbeing.
If I use it just once can I remove account after I have finished up the Loan and paid my borrowed money
Hey man. Thanks for sharing.
I like people, like you, who are out there hustling; turning over rocks.
Here is what is a hustle in my Property Management Business....
a. I sold a new $650 refrigerator to a Property Manager, after marking it up 15%.
b. I charged the Property Manager another $70 to install it and change door opening direction.
c. I then charged the property manager $25 to haul off the old refrigerator.
c. I then sold the "hauled off" old refrigerator, after cleaning, adding Freon, to a different PM for $145.
Net result; about $400 pure profit and just part of a day's work.
There are all kinds of ways to hustle. Keep digging . You'll find it's worth it.
-
Nice man, that’s quite a few layers of hustles! Appreciate the inspiration and feedback
@@Gignation
Hey man, I'm hearing good things about "Thumbtack." Have you checked it out?
What they fail to mention in their cheesy ads though is that in the following week they snatch back everything you borrowed. It doesn’t matter to them if your account is over-drafted. But yet they make it seem as if you’re just simply getting your money earlier.
Don’t use it..
It's like a payday loan quit crying
Actully they overdraft my account and refunded me the money because they said they didnt want to overdraft my account. This isn't a app to use every week just for emergencies the app is really good.
Ambiguous User Bitch shut up, we know that. The point is that it isn’t mentioned in the ad. Hype and dickeatin for no reason.
Quatricia Johnson You’re right girl, only for emergencies. I’ll consider that.
Very true. I wish more employers paid weekly, that would help out tremendously and Earnin and apps like it wouldn’t be necessary.
Yea I’m only trying to use it once .. but I downloaded it Saturday and I’m waiting for them to Verify my bank account .. it says it takes up to 3 days
Email them
how long do i have to pay back for example 100 dollars
I get paid bi weekly and I had to learn to set money to the side. I got bills and shit but I make it work. So earnin app or other bullshit.
Does it work for government checks
Joshua Hampton damn man. The struggle must be real for you.
Damn dawg trying to borrow money from a welfare check you ain't even got yet.
Jesse Roth why y'all going in on my mans like dat 😂😂😂
For somebody only making 200 to 400 every check you are basically losing money while living paycheck to paycheck. Why not just set aside $100 every time you get paid and forget you have it so that way when little emergencies come up you have $200 to $400 that's all yours. There are no long term benefits to this app.
This was a great review! I totally agree with what you said about it being better to save than depend solely on this app but it has helped me tremendously on a week to week basis to get that extra cash flow when I’m in need. I personally do not tip every time I cash out. I probably do one dollar to two dollars a month so I will take this better than a payday loan for sure. Sadly, I do depend on this app to get by and it’s frankly quite addicting and hard to stop.
Thanks for giving some info on your experience Jasmine, this is really helpful. It sounds like you use the app more responsibly than others.. at a couple dollars per month it’s definitely a much better solution than a payday loan
Jonathan C Whitney It has definitely helped me a lot are used to get pay day loans that were so high in interest and when I found this app it’s changed my financial habits dramatically! So yes if used responsibly I would say it’s not a bad app at all!
What about the Even app?
Thank God I didn't use this app because I found this fishy.
I use the app whenever I'm short on a bill. It reasonable as hell. Tipping a minimum of $5 for every $100 helps out a lot.
Well it’s not. It’s literally taking money out of your next paycheck. Nothing fishy about it
I liked the app but the debt that it has is ridiculous, kind of not worth it
secureteam12 debt?? Can u explain pls :)
Just used it once tbh I needed gas and no one let me borrow money tbh
Did it work right away? Did you already delete the app and your account? How was your experience
Brandon R yea I got it with in seconds it depends on the bank you have and haven’t deleted it I’m going to Friday since that’s when I get paid (: and my experience was pretty great tbh
Brandon R. I really need to use this earnin app because I have a True emergency. What all do you have to have to be approved for money? My bank is Pnc.. I wonder if it would take a long time? Would you recommend this earnin app? Is it legit? Thank you!
@@tyronegoodwin729 I tried it out and its been legit so far. They might have your bank I'm not sure. It took a day to verify though then I was able to get 100 max but thats my limit at the moment until they decide otherwise. I dont see why if i make more than the 500max weekly but they said its computer generated based on different things
Brandon R thank you so much
I've stopped using it recently.
Why
@@Alex_gaming551 I was too dependent and irresponsible.
You’re not financially independent when you’re still using somebody else’s money before you get paid what do you need to do is become better at budgeting your own money
Great point
Everybody's circumstances aren't the same 🤷
@@girlno2221 exactly
This was kinda mean and straight forward. Thank you, I needed that😭
Emergencies happen
I dont need this cause my job pays weekly 🙄
Lucky. 99% of people get paid every 2 weeks
@@XxXNiceXBoyXxX not true lol all my jobs have paid weekly
@@StevenTheGreat_ ure one person. How do u know how many people get paid like you do?
@@bjornofficial4688 how do u know 99% of the world gets paid every 2 weeks? The same question ur askin me can be asked for the person who said 99% of ppl get paid every 2 weeks. Ridiculous to say that.
@@StevenTheGreat_ Glad you asked. I don't. But i didn't claim to know, u did. So again, how do u know he's incorrect, like u claimed?
This fukin app is so trash and im so fucking mad with it, ive been trying to fucking close the account and the app won't let me after i pay them back.
Neither a borrower nor a lender be... Society has gone stupid
Daily pay only has 2.7 stars
Hey Jonathan! Thanks for the video. I have a question, how does it work if you’ve overdrawn in your bank account yet you need money to last the week, how do either of those apps work for this type of scenario?
The app has overdraw protection, so you’d pay a small fee (about $1.50) and it would auto deposit money to your account if you are at a very low level (this should keep you from overdrawing)
Jonathan C Whitney oh I see. So in that case if you have a overdrawn account and are trying to use the app, then this app wouldn’t necessarily work for the user, correct?
I haven’t tested it with an account that’s already overdrawn.. it would depend on your pay stubs likely, if you will make enough money next week to pay them back what you borrowed they may loan you money.
Jonathan C Whitney Makes sense, as I drew the same conclusion about the scenario. Thank you for your response, Jonathan.
Your bank account cannot be over $100 overdrawn not even by a penny they will not let you cash out. If your overdrawn by $50 and you cash out $100 the bank will take their $50 leaving you with $50 and you still will have to pay $100 back to earnin on payday
Thanks for clearing that up!
It’s not that serious it’s not like u have to tip everyday
I use Earnin. Never been charged any fees at all. I think before people just say OH your already in trouble using this service. 1. That's peoples personal business and choice. This is a tutorial not about opinions. And for some people it's not being in trouble, this may be for people who work extra jobs that are retired for example and actually can afford to use this service or its just convenient say you see a item you wanted to buy for a repair and found it on clearance for example and want to use this money instead of your regular other pay. This app isn't a partner with my side gig company but....they work together as a extra resource and I love it! Again never been charged for anything.
You see those Cash Advance shops everywhere? This is the SAME THING, DONT BE STUPID!
How many times do you need to separate your hands are you nervous
It's actually a sign of honesty. Not nervousness. If he kept them closed more often, then that's nervousness.
@@TH-camAddict143 but to many hand gestures means your nervous
Lots of hand movements was one of the first things I noticed as well
Bruh i got an earnin app ad after the video lol
Guess who got an earnin ad?!
Its a credit card
Weird question. Did you go to consol?
Grew up in Seattle
I had it for a while, but I stopped using it. To me, it was a payday loan in disguise, and all it did was turn into another bill, even if it was a small payback amount like $75 or so. I’ve trimmed other expenses and made more of an effort to add to my savings accounts. I see it being good for legitimate, DIRE, emergencies. With that said, dire emergencies tend to be more than $100 and that’s the max you can withdraw per day. Doesn’t seem worth it in the long run. I wouldn’t recommend Earnin as a first choice.
PS, if you haven’t seen the Netflix Documentary called Dirty Money, there’s an episode about payday loans. I highly recommend it. Use these apps carefully.
What is the timesheet??
Proof that you worked from your employer
Proof you have a current job basically.
Interesting to know if it effects your credit score as paypday loans surely do and are quick to send you to collection
Vapor Delight pretty sure it does since apparently it does give u a loan" for the day you cash ou
Me tooo
Looks like your being scamed most people don't know anything about APR rates
Come for earnin get an advertisement for daily pay
Despite my thinking you need some coffee, I made it thru the Vidya.
Thanks, made this at the end of the day coffee would’ve been a good idea
I don't need to use this because I feel like it's loan app
Yea kinda is
@@Gignation is there any way to erase the information
Thanks so much for the information
This works... but only use it for emergencies
And DO NOT USE THE BALANCE SHIELD’S SERVICE
It’ll get you out of trouble in very specific times
No fucking way! They want your sign in info... why when all they need is your acc/rt number to withdraw. I wouldn't give my momma that kind of control over my bank account. They won't be signing in and out of my account.
Great call man 👌🏻
Thank you for the review.
I think this is a scam I not sure to do this
NEED A BOOST RN:/
This b’s got me into a over draft fees galore. Messed up my entire weekend. I closed down the app
Sorry to hear that
I use a no fee debit card lol they can’t withdraw before my money hits 😎
Or just get your shit together to the point where you have an emergency fund and don't have to use some sketchy app for money
If you don’t tip you don’t get a bigger cap
It is now changed actually.
If this app is successful I’m afraid our economy is f*cked
Quite a few people living paycheck to paycheck with terrible saving habits
Thank you very informative.
B's. It's a stupid app that don't work
I keep getting ads for this shit
Stay away from Earnin. You'll just end up complaining at BBB.
I'm just glad I don't live paycheck to paycheck anymore. Ppl need to budget
I get it but try saying that when your rent is $2000 per month just to live in a “decent” neighborhood. People usually say this when they live in a small town where rent and other cost of living is still cheap. No such thing as having a budget when you live in a big city if you’re not making at least $150K year
Daily pay sucks...
This guy doesn't know how to use his hands when talking🤦
Gosh I also HATE his monotoned voice😭
Wtf is wrong with people? Is getting your paycheck bimonthly something new to you that you can't figure out? If you're thinking about downloading this app, get your life together.
And of course my bank is not supported
So watch your video and completely agree that the Earnin app is a scam for the stupid people. Once I finished your video a commercial for the Earnin App pops up. Wtf...
I think they’re the biggest advertiser on this video
That's why I'm not doing that to much information for me haha they you 100.00 then you have to put that back not only that why do they need my account noo
Man.. I just need 50 bucks only :(
Me too
Very thorough thank you for this review
You’re welcome 👌
I’ll just ask my mom to let me borrow $50 😅
I got a instant money ad
You remind me of Abe Leonard from Designated Survivor.
😂
DailyPay is much better!
There’s more cuts than on a 16 year olds wrist, just start over dude. Not to mention
The emotion of a carrot.
Think I’ll leave it up but feel free to make an awesome video yourself brotha sounds like you know what to do
Gig Nation - “This channel doesn’t have any content” ... 👀☠️
This video is just what I was looking for, so thanks. Concise and informative 👍
Just delete your comment dude. Literally, it's embarrassing to read.
Adam Wright your comment is so cringe. Just delete it 😂👎🏽
Earnin , When I Tip And I Tip High Doe And , When It’s Someone Else Turn They Never Cover My Fees
Bruh just get a credit card lol
"Get 100 dollars from earnin"
Yike
So the apps for broke people with bad financial problems
Or just save your money like a responsible person so you dont run out before your next check
yeetusthefetus o shut up 🙄
Very well explained. I will stay away
This app needs to be destroyed