LIVING 2.0 | Essentials | Earnin
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0% Pay Day Loans + Instant Cash Back Shopping

Finally, a fair financial system.

We’re fighting unfairness in the financial system in 4 ways.

We’ve built a platform of community-supported products to inspire fairness across the financial world. Our app allows people to reject the current system in order to get to a better place financially. These are the 4 problems we’re solving:

The pay cycle holds back our money. Get up to $100 advance each day.

Overdraft fees and penalties are unfair. We stop them.

Medical bills are putting us in debt. We negotiate them lower.

We all need more ways to find extra cash. Get cashback at 100’s of stores & restaurants.

Cash Out

Control of and access to your pay as soon as you’ve worked with no fees, interest, or hidden costs. Cash out your earnings anytime you want.


  • Cash out up to $100 per day to access the money you’ve already earned.
  • Pay what you choose (even $0).
  • When your paycheck is direct deposited, we will deduct the amount you cashed out.


We’ll debit your bank account on your next payday. Please note that we are not responsible for any bank, or third-party fees that you may be charged if there are insufficient funds in your account.

Balance Shield

Protection from overdrafts by ensuring you always have money in your account.


  • Set up an automatic cash out of up to $100 if your bank balance falls below $100.
  • No fee for one-time overdraft protection, tip $0!
  • For regular Balance Shield Cash Outs, set a recurring tip amount of $1.50+, and adjust that amount at any time.
  • Separately, set up alerts to be notified if your bank balance falls below an amount you select, between $0 to $400. Alerts are free.

Health Aid

Better options for paying your medical bills. Submit your medical bills so we can negotiate for a lower total or payment terms that work with your budget.


  • Submit photos of your medical bills and authorize your Health Aid agent to negotiate on your behalf.
  • Select from the options provided in your personalized Health Aid Report.
  • Pay what you choose (even $0).

Cash Back Rewards

Enroll your card and shop or dine at participating local businesses. Earn extra cash automatically and cash out at any time. Your money will transfer directly to your bank account.


  • Earn 1 – 10% cash back using your card at 1000s of local stores and restaurants.
  • Swipe your card and ask to run it “as credit” then sign rather than enter your PIN.
  • Cash out your rewards at any time, and see your money arrive in your bank account immediately.

We are Community-Supported

Choose What You Pay

With our app, there are no fees or interest. We all choose what to pay to support the service—it could even be $0. This is a radical change from the way the American financial system typically functions.

Pay It Forward

The world is a better place when we all help each other out. With our services, people choose what to pay. Sometimes it’s more, sometimes it’s less. And sometimes community members pay it forward to support each other.