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Earnin (formerly Active Hours)
(01-22-2018, 06:05 AM)aecel Wrote:
(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

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? 

People in America are brought up to leave tips. They've been raised in a society which welcomes and stimulates tipping. It's like a tradition there. That's why this company is still existing. If there had been no profit from this service, the owners of the App would have just ditched it. Smile

There is no way for someone not to pay off on time, because the App will automatically withdraw the borrowed amount from you bank account when your payday comes. Everything is very well-thought-out.
Will I use PayMaya app

PayMaya is an app that gives you a virtual prepaid card for shopping online, booking flights and more. Depending on your mobile network, you either get a virtual Visa or Mastercard. You can also pay bills, send money, and more, in-app. Load up your PayMaya at over 15,000 partners such as 7-Eleven, Palawan Pawnshop, Smart Padala Centers, SM Stores Business Services and Robinsons Department Store Business Centers.

There’s a PayMaya physical card, which you can use to pay in establishments that accept credit or debit cards. This is a prepaid card that you can load up with cash at the same partners. It works here and abroad and it’s embedded with an EMV chip for your security. You can link the physical card to the app so that it shares one wallet with your virtual card you can view all your transactions in-app.
I never heard of either Earnin or Active Hours but it sounds like something decent to check out. I am always trying to increase my income, and if I can do so painlessly, so much the better! It is just one of the things that make life good!

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