Insights

Growing Market Penetration EarnIn has demonstrated significant user engagement with over 3.8 million customers accessing more than $15 billion in earnings, indicating a large and active customer base that values flexible wage access solutions. This presents an opportunity to upsell complementary financial products such as credit monitoring and savings tools to deepen customer relationships.

Expansion in Fintech Solutions With a tech stack inclusive of advanced tools like Salesforce, Auth0, and PWA, EarnIn is positioned as an innovative leader in digital financial services. Partnering with additional fintech platforms or integrating new technologies could drive further product differentiation and attract users seeking seamless, app-based financial management.

Financial Stability and Growth EarnIn reports revenue between $50 million and $100 million, backed by healthy funding of $125 million, indicating strong growth potential and financial resilience. This stability signals an attractive opportunity for institutional partnerships or joint ventures aimed at expanding financial inclusivity and product offerings.

Customer Impact & Engagement A high percentage of users rely on EarnIn for essential financial management, with 66% able to pay bills on time and 73% budgeting effectively. This dependency suggests an opportunity to develop targeted marketing campaigns aimed at new user acquisition among financially underserved populations.

Industry Position & Opportunities As a fintech company not operating as a bank, EarnIn’s unique approach to no-interest, no-fee wage access sets it apart. Business development efforts can focus on collaborations with employers, payroll providers, or financial institutions to broaden distribution channels and enhance product adoption in the payroll and employee benefits sectors.

EarnIn Tech Stack

EarnIn uses 8 technology products and services including Looker, Ethnio, UKG, and more. Explore EarnIn's tech stack below.

  • Looker
    Analytics
  • Ethnio
    Customer Experience Management
  • UKG
    Human Resource Management System
  • Alpine.js
    Javascript Frameworks
  • Marketo
    Marketing Automation
  • Braze
    Marketing Automation
  • Partytown
    Performance
  • Hadoop
    Programming Languages

Media & News

EarnIn's Email Address Formats

EarnIn uses at least 1 format(s):
EarnIn Email FormatsExamplePercentage
First.Last@earnin.comJohn.Doe@earnin.com
95%
First@earnin.comJohn@earnin.com
4%
First.Middle@earnin.comJohn.Michael@earnin.com
1%

Frequently Asked Questions

Where is EarnIn's headquarters located?

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EarnIn's main headquarters is located at 260 Sheridan Ave Palo Alto, California 94306 US. The company has employees across 6 continents, including North AmericaAsiaEurope.

What is EarnIn's phone number?

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You can contact EarnIn's main corporate office by phone at . For more prospecting data, LeadIQ has access to up-to-date and accurate contact information within our platform. Find, capture, and sync contact data to your CRM and sales tools in one click.

What is EarnIn's stock symbol?

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EarnIn is a publicly traded company; the company's stock symbol is KLC.

What is EarnIn's official website and social media links?

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EarnIn's official website is earnin.com and has social profiles on LinkedIn.

What is EarnIn's NAICS code?

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EarnIn's NAICS code is 52 - Finance and Insurance.

How many employees does EarnIn have currently?

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As of October 2025, EarnIn has approximately 553 employees across 6 continents, including North AmericaAsiaEurope. Key team members include Chief Technology Officer: R. L.Chief Of Staff/ Technical Program Manager: K. Y.Chief Executive: A. G.. Explore EarnIn's employee directory with LeadIQ.

What industry does EarnIn belong to?

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EarnIn operates in the Financial Services industry.

What technology does EarnIn use?

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EarnIn's tech stack includes LookerEthnioUKGAlpine.jsMarketoBrazePartytownHadoop.

What is EarnIn's email format?

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EarnIn's email format typically follows the pattern of First.Last@earnin.com. Find more EarnIn email formats with LeadIQ.

How much funding has EarnIn raised to date?

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As of October 2025, EarnIn has raised $376M in funding. The last funding round occurred on Dec 24, 2018 for $190M.

When was EarnIn founded?

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EarnIn was founded in 2012.
EarnIn

EarnIn

Financial ServicesCalifornia, United States501-1000 Employees

EarnIn lets you access your money as you earn it — not days or weeks later.

We’re reimagining the way money moves to make financial momentum accessible to everyone. That starts with payday every day and builds with tools like credit monitoring, automated savings accounts, and low-balance protection. All with no interest, no credit checks, and no mandatory fees. So our customers have as many options as possible to save and spend on their terms.

EarnIn’s pioneering Earned Wage Access app is backed by world-class partners like A16Z, Matrix Partners, and DST. Since our founding in 2013, 3.8 million customers have given it over 380,000 5-star reviews for helping them access over $15 billion in earnings. That means:

- 49% can now cover an unexpected expense of $400 since using EarnIn
- 73% can budget more effectively with EarnIn
- 66% have been able to pay bills on time with EarnIn’s help

We’re proud of that impact. Because no one should feel stuck — held back from their ambitions, their life — simply because they can’t access the money they’ve already earned. That’s why EarnIn is here, to help people move forward with the lives they want today and the goals they have for tomorrow.

Join us.

EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

Section iconCompany Overview

Headquarters
260 Sheridan Ave Palo Alto, California 94306 US
Phone number
Website
earnin.com
Stock Symbol
KLC
NAICS Code
52 - Finance and Insurance
Founded
2012
Employees
501-1000

Section iconFunding & Financials

  • $376M

    EarnIn has raised a total of $376M of funding over 4 rounds. Their latest funding round was raised on Dec 24, 2018 in the amount of $190Mas a venture funding.

  • $500M$1B

    EarnIn's revenue is estimated to be in the range of $500M$1B

Section iconFunding & Financials

  • $376M

    EarnIn has raised a total of $376M of funding over 4 rounds. Their latest funding round was raised on Dec 24, 2018 in the amount of $190Mas a venture funding.

  • $500M$1B

    EarnIn's revenue is estimated to be in the range of $500M$1B

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