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Earnin (formerly Active Hours)
#1
Does anyone use this app? They say they don't require timesheets (a.k.a. they trust you?), but they do need to see employer information and connect to a bank account that receives direct deposit. I wonder how it would work for seasonal workers, people staffed at schools and such.
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#2
(01-19-2018, 12:08 PM)sandraharriette Wrote: Does anyone use this app? They say they don't require timesheets (a.k.a. they trust you?), but they do need to see employer information and connect to a bank account that receives direct deposit. I wonder how it would work for seasonal workers, people staffed at schools and such.

I haven't used it, but I've heard of it.

I think when you borrow money from Earnin they do require you to submit a photo of your time sheets, otherwise how would the App know how much you've earned? 

It is a very good App in my opinion. It's a great alternative to payday loans - no interest rates, you can just leave a small optional tip if you feel like it. 
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#3
I haven't heard about this app it's new to me. Is it available to any countries or just exclusively operated in your country? What do you mean by connecting to a bank? Does it require to input your bank account information? Just be careful giving your bank account information because I've watched numerous news about hacking their bank accounts so investigate first the app if it's legit or not. It's actually good to have this kind of app because less paper works they just need the employer information and you're good to go. I hope they could accept Paypal for transferring the money because it's safer than giving your bank account details.
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#4
This is the first time I have heard of this app. I would be skeptical of any app that was not widely used and considered to be safe. I will stick with well known programs and payment processors. I can't afford to lose any money to something that might be a scam. It just wouldn't amke sense to do so.
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#5
Have you seen its reviews? Have not heard of it. Some offers that seems to be good does not mean they are safe. Like what aecel said, be careful for giving away your bank account info and check the application of its permissions access on your phone. They can basically hack your phone and get every personal details stored in it if you will not take precautions.
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#6
I just read the article and I like this app as well. I am surprised that they took a negative tone in the article that it was expensive. I think its a great idea.
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#7
(01-20-2018, 09:37 AM)aecel Wrote: I haven't heard about this app it's new to me. Is it available to any countries or just exclusively operated in your country? What do you mean by connecting to a bank? Does it require to input your bank account information? Just be careful giving your bank account information because I've watched numerous news about hacking their bank accounts so investigate first the app if it's legit or not. It's actually good to have this kind of app because less paper works they just need the employer information and you're good to go. I hope they could accept Paypal for transferring the money because it's safer than giving your bank account details.

This app is not a scam. There was an article about it on cnbc.com.

You do have to provide you bank account details. The app sends you the requested amount of money you need into your bank account and when your payday comes, it withdraws the same amount. It think it's available only in America. It has 4.7 rating in Google Play. Thousands of people have rated it.
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#8
(01-21-2018, 04:23 AM)chikatilo Wrote:
(01-20-2018, 09:37 AM)aecel Wrote: I haven't heard about this app it's new to me. Is it available to any countries or just exclusively operated in your country? What do you mean by connecting to a bank? Does it require to input your bank account information? Just be careful giving your bank account information because I've watched numerous news about hacking their bank accounts so investigate first the app if it's legit or not. It's actually good to have this kind of app because less paper works they just need the employer information and you're good to go. I hope they could accept Paypal for transferring the money because it's safer than giving your bank account details.

This app is not a scam. There was an article about it on cnbc.com.

You do have to provide you bank account details. The app sends you the requested amount of money you need into your bank account and when your payday comes, it withdraws the same amount. It think it's available only in America. It has 4.7 rating in Google Play. Thousands of people have rated it.

Oh, really that's good I'll try to look at it later in google play store. How much is the interest? I'm kind of curious how does the payroll work in America. Because here employee has a separate account for payroll which is called Payroll ATM card and not directed to their personal bank account. It would be great if it's available here so people have lots of options to make loans.
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#9
(01-21-2018, 05:08 AM)aecel Wrote:
(01-21-2018, 04:23 AM)chikatilo Wrote:
(01-20-2018, 09:37 AM)aecel Wrote: I haven't heard about this app it's new to me. Is it available to any countries or just exclusively operated in your country? What do you mean by connecting to a bank? Does it require to input your bank account information? Just be careful giving your bank account information because I've watched numerous news about hacking their bank accounts so investigate first the app if it's legit or not. It's actually good to have this kind of app because less paper works they just need the employer information and you're good to go. I hope they could accept Paypal for transferring the money because it's safer than giving your bank account details.

This app is not a scam. There was an article about it on cnbc.com.

You do have to provide you bank account details. The app sends you the requested amount of money you need into your bank account and when your payday comes, it withdraws the same amount. It think it's available only in America. It has 4.7 rating in Google Play. Thousands of people have rated it.

Oh, really that's good I'll try to look at it later in google play store. How much is the interest? I'm kind of curious how does the payroll work in America. Because here employee has a separate account for payroll which is called Payroll ATM card and not directed to their personal bank account. It would be great if it's available here so people have lots of options to make loans.


There's no interest rate. Smile If you're satisfied with the service you can leave a tip. But it's not mandatory, it's optional. I'm surprised that this App hasn't gained much popularity in America. It's an excellent alternative to payday loans. There is cap on what you can borrow though – $100 a day. It's not available in the Philippines. However the Philippines have nice things too, like G-cash. Wink
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#10
(01-22-2018, 04:05 AM)chikatilo Wrote:
(01-21-2018, 05:08 AM)aecel Wrote:
(01-21-2018, 04:23 AM)chikatilo Wrote:
(01-20-2018, 09:37 AM)aecel Wrote: I haven't heard about this app it's new to me. Is it available to any countries or just exclusively operated in your country? What do you mean by connecting to a bank? Does it require to input your bank account information? Just be careful giving your bank account information because I've watched numerous news about hacking their bank accounts so investigate first the app if it's legit or not. It's actually good to have this kind of app because less paper works they just need the employer information and you're good to go. I hope they could accept Paypal for transferring the money because it's safer than giving your bank account details.

This app is not a scam. There was an article about it on cnbc.com.

You do have to provide you bank account details. The app sends you the requested amount of money you need into your bank account and when your payday comes, it withdraws the same amount. It think it's available only in America. It has 4.7 rating in Google Play. Thousands of people have rated it.

Oh, really that's good I'll try to look at it later in google play store. How much is the interest? I'm kind of curious how does the payroll work in America. Because here employee has a separate account for payroll which is called Payroll ATM card and not directed to their personal bank account. It would be great if it's available here so people have lots of options to make loans.


There's no interest rate. Smile If you're satisfied with the service you can leave a tip. But it's not mandatory, it's optional. I'm surprised that this App hasn't gained much popularity in America. It's an excellent alternative to payday loans. There is cap on what you can borrow though – $100 a day. It's not available in the Philippines. However the Philippines have nice things too, like G-cash. Wink

What? Really no interest rate? How are they're going to survive their business if they won't earn from it? They can't just depend on tips because there might someone don't leave a tip they're going to bankrupt. What happens if someone doesn't pay on time, still no interest on that? 

Actually, G-cash is just only a virtual debit card where you can load some amount of money in your card. Loading means it came from your own pocket it's your own money. It's popular for remittance and now it's being used in online for easy transfer of money.
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