# Earnin: how AI models rank it, October 2026

Finance AI Recommendation Index, October 2026 Edition. Named in 1 judge labels across 1 categories by 1 of 14 models. Page: https://finance-ai-index.com/vendors/earnin/

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| Cash application | 0% | 81 | 100% | 1 |

## And against it

- "Avoid: Predatory "Cash Advance" Apps (e.g., Dave, Earnin, Brigit)" (Gemini 3.5 Flash, Cash application)

## Movement since September 2026

Floor: 10 points of share, measured on the calibration repeat. A larger change is movement; a smaller one is noise.

- Cash application: 0% to 0%, ±0. New · not ranked in September 2026 · rank 81 of 83.

## In its own words

What Earnin's own pages state, read 2026-10-06. Stated by the vendor, not checked by the index.

- Positioning: An app that lets you access your earned wages when you need them, not just on your scheduled payday. (https://www.earnin.com/)
- For: Individual salaried and hourly workers who want access to money they’ve already earned. (https://www.earnin.com/)
- Price stated: No mandatory fees for standard transfers; optional Lightning Speed starting at $3.99; Early Pay for $2.99. (https://www.earnin.com/)
- Starting price: 2.99 (https://www.earnin.com/)
- Free plan or trial: Standard transfers are free and typically arrive in 1–2 business days. (https://www.earnin.com/)
- Certifications: Member FDIC, FDIC insured up to $250,000, PCI-DSS 4.0, SOC 2
- Hosting: U.S.
- Customers named: Danielle, Mike, Isaiah, Alena, Brittany, Jamison, Terrance, Keisha

## What it publishes

Every page earnin.com exposes, read 2026-09-29: 2152 addresses. By kind, pages and the last 90 days:

- blog: 122 pages, 0 in the last 90 days, latest undated
- webinar or virtual event: 1 pages, 0 in the last 90 days, latest undated
- conference or event: 1 pages, 0 in the last 90 days, latest undated
- comparison: 11 pages, 0 in the last 90 days, latest undated
- template or tool: 61 pages, 0 in the last 90 days, latest undated
- glossary or explainer: 3 pages, 0 in the last 90 days, latest undated
- news or press: 2 pages, 0 in the last 90 days, latest undated

## Record

- Method: https://finance-ai-index.com/methodology/
- Raw judge labels and full responses: https://finance-ai-index.com/data/
- License: CC BY 4.0. Cite as Finance AI Recommendation Index, October 2026 Edition, finance-ai-index.com.