About Earnin
Earnin is a Technology company based in Palo Alto (United States) founded in 2012 by Ram Palaniappan. Real-time access to earned wages is provided fee-free. It operates in the Technology and Financial Services sectors. Earnin has raised $190.1 million across 6 funding rounds from investors including Cross River, Ribbit Capital and DST Global Partners. Its chief executive, as recorded, is Ram Palaniappan. Its website earnin.com draws about 980 thousand monthly visits. Earnin offers products and services including Cash Out, Early Pay, Balance Shield, Credit Monitoring, and Tip Yourself. Its focus areas include FinTech, Alternative Lending, Online Lenders and Consumer Loans. Its legal entity is EarnIn US1 LLC. Its competitors include Gusto, Paylocity and DailyPay; 3 of its 3 listed competitors have raised funding.
Company details
Earnin was established in 2012 in Palo Alto, United States, within the financial technology sector. A platform is operated to facilitate early access to portions of earned paychecks without interest or fees. Employment verification and bank account linkage are required from users. The disbursed funds are automatically debited from the incoming paycheck via direct deposit. Availability is offered through mobile applications on iOS and Android.
- Total Equity Funding$190.1M (USD)
in 6 rounds
- Latest Funding Round$150M (USD), Debt – Conventional
Oct 2026
- InvestorsCross River
& 8 more
Products & Services of Earnin
Earnin offers a comprehensive portfolio of products and services, including Cash Out, Early Pay, Balance Shield, Credit Monitoring, and Tip Yourself.
Allows users to access earned wages early via app.
Enables direct deposit up to two days early.
Protects against overdrafts with automatic transfers.
Tracks credit scores for free in the app.
Facilitates automatic savings with each paycheck.
Apps and channels of Earnin
Earnin publishes 1 mobile app with over 5M+ downloads; its YouTube channel EarnIn has 4.74K subscribers and 17 videos.
Videos from Earnin
The most watched videos on Earnin's YouTube channel, EarnIn (4.74K subscribers). Click a video to play it here.
More on EarnIn.
Funding Insights of Earnin
Earnin has successfully raised a total of $190.1M across 6 strategic funding rounds. The most recent funding activity was a Debt – Conventional round of $150 million completed in October 2026. This substantial capital infusion reflects strong investor confidence in the company's business model, growth potential, and market opportunities. The funding enables strategic expansion, product development, market penetration, and operational scaling to drive long-term value creation and competitive advantage.
- Total Funding $190.1M
- Total Rounds 6
- Last Round Debt – Conventional — $150M
- First Round $4.1M
(Jul 2014)
- Investors Count 9
All 6 funding rounds of Earnin with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Oct 2026 | $150M | Debt – Conventional | – | – | – |
| Sep 2025 | $150M | Debt – Conventional | – | – | |
| Dec 2018 | $125M | Series C | – | DST Global, March Capital | |
| Sep 2017 | $39M | Series B | – | a16z | |
| Jan 2017 | $22M | Series A | – | – | |
| Jul 2014 | $4.1M | Seed | – | Ribbit Capital, Felicis Ventures | – |
9 investors in total: 9 institutional.
Investors in Earnin
Earnin has secured backing from 9 investors, including venture fund and institutional investors. Prominent investors backing the company include Cross River, Ribbit Capital and DST Global Partners.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Venture capital investment firm | dst-global.com | Menlo Park, United States | ||
Venture capital investments in technology sectors are handled by Andreessen Horowitz. | a16z.com | |||
Early-stage companies in fintech and multiple sectors are invested in. | 2012 | ribbitcap.com | Palo Alto, United States | |
Venture capital firm investing in multiple sectors | marchcp.com | Santa Monica, United States | ||
Provider of an investment platform for various stages | coatue.com | New York, United States | ||
Spark Capital is engaged in venture capital investments. | sparkcapital.com | San Francisco, United States | ||
Early-stage ventures are funded by the investment firm. | matrix.vc | San Francisco, United States | ||
Investments in technology startups are made by Felicis Ventures. | felicis.com | Menlo Park, United States | ||
Open banking API solutions are provided for financial institutions. | 2008 | crossriver.com | Fort Lee, United States |
Investor details for Earnin
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
People of Earnin
197 people are tracked at Earnin (51 in leadership, 1 in board & advisors, 145 in team).
| Name | Role | Group |
|---|---|---|
Ram Palaniappan | Founder & CEO | Leadership |
Manish Amde | VP Of Eng, Financial Platform, AI & Data | Leadership |
Aditya Sethupat | Director Of Engineering | Leadership |
Florencia Resnik | Chief of Staff | Leadership |
Dilip Choudhary | Recruiting Lead - Global Talent Partner | Leadership |
Arun Dobriyal | Director Of Engineering, Money | Leadership |
Mona Ahmadi | Director Of Fp&a | Leadership |
Yuting Wang | Senior Director, Data | Leadership |
Dylan Brodsky, CPA, FMVA® | Technical Accounting Director | Leadership |
Gaurav Bhargava | Chief Risk Officer | Leadership |
Jazmin Salinas, MBA | Legal And Regulatory Affairs Chief Of Staff | Leadership |
Yair Rivlin | Chief Product Officer | Leadership |
Ofer Shaked | CTO | Leadership |
Jose V Peris | VP Controller | Leadership |
Anne Lueh | Senior Executive Assistant to the CEO and CFO | Leadership |
Ross Howden | Head Of Financial Planning & Analysis | Leadership |
Ed Guerra | Chief Compliance Officer | Leadership |
Dana Oppermann | Chief Of Staff / Senior Director Of Strategy | Leadership |
Jeff Wilson | Head of Talent Acquisition | Leadership |
Anna Islam | Talent Operations Director | Leadership |
177 more people are available in the full profile.
Complete people profiles for Earnin
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
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Timeline of Earnin
3 dated milestones of Earnin across 14 years, from founding to its latest funding, stage changes and deals.
- Founded Earnin is founded.
- Funding First funding round of $4.1M.
- Funding Latest funding round, Debt – Conventional, of $150.0M.
Competitors of Earnin
Earnin has 3 listed competitors in our database, 3 of them funded. They include Gusto, Paylocity and DailyPay.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| gusto.com | 2012 | San Francisco, United States | $718.35M | 5,876 | Cloud-based HR and payroll solutions are offered for small businesses. | |
| paylocity.com | 1997 | Arlington Heights, United States | $37.28M | 4,150 | Cloud-based payroll and HR solutions are provided for businesses. | |
| dailypay.com | 2015 | New York, United States | $264M | 845 | Developer of an online platform for employee financial benefits |
Detailed competitors of Earnin
The full competitor set, operating metrics and side-by-side benchmarks require an active premium plan.
- Full competitor set
- Operating metrics
- Benchmarks
- Competitive positioning
Verified entity values are shown only after access is granted.
Web traffic of Earnin
The website of Earnin (earnin.com) receives about 980.1K visits a month and ranks #46,088 among all websites worldwide, #2,925 in Financial Planning and Management.
- Monthly visits980.1K
▼ 11.5% vs previous month
- Unique visitors714.5K
per month
- Global rank#46,088
among all websites
- Category rank#2,925
Finance · Financial Planning and Management
- Bounce rate50%
- Pages per visit3.2
- Average visit1 min 44 sec
- DevicesDesktop 12% · Mobile 88%
Websites whose visitors overlap most with Earnin. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| moneylion.com | 100% | 6.8M | #6,478 | View details | |
247lendinggroup.com | 247lendinggroup.com | 87% | #44,577 | – | |
my411.com | my411.com | 85% | #65,935 | – | |
lendyou.com | lendyou.com | 84% | #46,791 | – | |
rnd6.com | rnd6.com | 81% | #99,165 | – | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 40 similar websites and full traffic analytics for Earnin
The complete similar-websites list, audience overlap and engagement analytics require an active premium plan.
- 40 similar websites
- Audience overlap
- Engagement analytics
- Traffic by brand
Verified entity values are shown only after access is granted.
Top companies in HR & Workforce Technology
3 companies that operate in the same segment as Earnin (HR & Workforce Technology) in United States, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Anonymous employee reviews and job search platform are operated. | 2007 | San Francisco, California, United States | USD 201.5 M | 1,695 | ||
Cloud-based LMS platform for IT industry | 2004 | Farmington, Utah, United States | USD 235.41 M | USD 4.95 M | 1,774 | |
Employee health benefits are facilitated via a cloud-based platform. | 2007 | Plymouth Meeting, Pennsylvania, United States | USD 228.3 M |
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Related news about Earnin
Complete news archive for Earnin
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Frequently Asked Questions about Earnin
Earnin was founded in 2012 and raised its 1st funding round 2 years after it was founded.
Earnin is headquartered in Palo Alto, United States. It is registered at Palo Alto, California, United States.
Ram Palaniappan is the CEO of Earnin, as recorded in our data. They have also founded this company.
Earnin is a funded company, having raised a total of $190.1M across 6 funding rounds to date. The company's 1st funding round was a Seed of $4.1M, raised on Jul 2014.
Earnin was established in 2012 in Palo Alto, United States, within the financial technology sector. A platform is operated to facilitate early access to portions of earned paychecks without interest or fees. Employment verification and bank account linkage are required from users. The disbursed funds are automatically debited from the incoming paycheck via direct deposit. Availability is offered through mobile applications on iOS and Android.
Earnin offers Cash Out, Early Pay, Balance Shield, Credit Monitoring, and Tip Yourself.
Earnin has 9 investors. Key investors include Cross River, Ribbit Capital, DST Global Partners, Andreessen Horowitz, and March Capital.
Earnin operates through Earnin Us1 Llc.
Yes. Earnin publishes EarnIn: Why Wait for Payday?, with over 5 million downloads.
The website of Earnin receives about 980 thousand visits a month and ranks #46,088 among all websites worldwide.