By Imani Brown, College Student and Assistant Manager, Raleigh, NC

As a California native and the middle child in my family, moving alone to Raleigh, North Carolina to attend an HBCU was both an exciting and challenging experience. I wanted to find a school community that felt like home while pursuing my passion for social work—a dream inspired by my mother, a dedicated social worker and teacher. Although the transition was rewarding, balancing a full time job and meeting financial obligations was tough, especially when payday didn’t align with my expenses.

That’s when I discovered EarnIn. I saw an ad on TikTok and it immediately caught my attention. After a few pay cycles, I knew it was exactly what I needed. Early Pay allows me to access my paycheck up to two days early, which has been a lifesaver, especially when rent is due before I get paid. Unlike my bank, which doesn’t offer early paycheck access, EarnIn bridges the gap seamlessly and ensures I never fall behind on essentials like gas or other everyday needs.

What I appreciate most about EarnIn is how easy and trustworthy it is. It’s directly linked to my bank account, so my paycheck goes into my existing bank account, and if any repayments for transaction fees happen, they happen automatically. Beyond Early Pay, EarnIn’s financial tools have been a game-changer. I use Credit Monitoring to understand what impacts my credit and to spot accounts I didn’t even realize were linked. It’s helped me feel more in control of my financial health and empowered me to take steps toward building better credit.

EarnIn has made such a difference for me that I’ve started recommending it to my family. For anyone balancing financial obligations while navigating the ups and downs of life, EarnIn is more than just a tool—it’s a lifeline. It allows me to focus on my goals, knowing I have a reliable and affordable way to access my income when I need it most.