How to escape

This app is predatory and feeds off of the desperate and destitute. I was personally stuck in a loop with this app for YEARS, I wasn't able to stop using Earnin because 90% of my check was tied up in it. I was forced to keep withdrawing just to pay my bills that I normally would be able to using my normal paycheck. I started with only 100 dollars just to get by 1 week after missing 2 days of work. Then the next week I needed to keep taking out that $100 just to make up my check. It snowballs out of control extremely quickly and a lot of people can't find a way out.

Please, call your bank and tell them to put a stop payment to all things Earnin. They might charge $30 or so depending on who you bank with, but it's worth it.

After that, contact Earnin and tell them you want to remove ACH AUTHORIZATION. They'll offer you an extra week to pay them back, do not accept. Repeat that you want to remove ACH AUTHORIZATION.

That's it, that's all you have to do. Earnin specifically says:

" As a reminder, If you’re unable to pay back Activehours (/dba EarnIn) for your last cash out, we will have no legal or contractual claim or remedy against you based on your failure to repay. However, you will be prevented from using our services until you repay any outstanding balance owed to EarnIn. "

Meaning they CANNOT come after you or your credit for money owed.

This company is a sham and has disgraceful actions towards people struggling to make ends meet. Don't feel bad. Take your money and RUN.