Frequently asked questions
Is Earnifi Pay Advance a loan?
No. Earnifi Pay Advance gives you access to wages you have already earned but haven’t been paid yet. There is no interest, no credit check, and no debt to repay, just a simple settlement of your own money on payday.
Does using Earnifi affect my credit score?
No. Since Earnifi Pay Advance isn’t a loan, we never pull your credit report or report to credit bureaus. Your score is safe.
Is my bank account information safe?
Yes. We use Plaid to securely connect your account, which is the same trusted technology used by thousands of US banks. Your data is protected with 256-bit bank-level encryption.
Do I have to pay a monthly subscription?
No. You can use Earnifi’s Free Plan to access earned wages within 1–3 business days at no cost. The optional paid plan ($4.50/pay cycle) is only for users who want instant access to their earned wages.
Are there hidden fees or required tips?
Never. Unlike other apps, we don’t ask for tips. If you receive a $50 advance on the free plan, you return exactly $50. Trust starts with transparency.
Can I cancel the paid plan?
Yes, you can cancel the optional paid plan anytime directly in the app or by contacting support. There are no locked-in contracts.
Who is eligible for Earnifi?
Earnifi is designed for hourly and shift-based workers who receive regular direct deposits.
Is Earnifi available in my state?
We are live in most states! However, we are currently unavailable in: CA, CO, CT, DC, IN, KS, MD, MN, MO, NV, NY, SC, UT, and VT.
How fast can I get my money?
It depends on your plan. Free Plan users typically receive funds in 1–3 business days. Paid Plan users can receive their earned wages in minutes.
How do I return the money?
It happens automatically. On your payday, we settle the amount you accessed from your incoming paycheck. Zero paperwork, zero friction, and zero stress.
Why can't I access my full paycheck?
We provide access to a portion of your earned wages to ensure you still have enough left on payday for other expenses. This helps protect your long-term financial health.
Have more questions?
Earnifi is constantly evolving and we’re here to help along the way. If you have additional questions, feel free to reach out.
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