How Earnifi Works
A complete step-by-step guide to setting up your Earnifi account and accessing all features.
A complete step-by-step guide to setting up your Earnifi account and accessing all features.
The app is designed to be intuitive and easy to set up, even if you have never used a financial wellness app before. This guide walks you through every step โ from download to your first advance, rent splitting, and credit building.
Up to $500
15-day repay
$0 fees
3 bureaus free
$0.99 on iOS/Android. Create account with email โ takes about 2 minutes.
Earnifi verifies your employment and earned wages. No employer action needed.
Connect via Plaid (256-bit encryption). For ACH deposits & automatic repayments.
Once verified, The app calculates your available advance based on wages you've already earned this pay cycle. Eligible users can request $15โ$500.
Get your virtual card instantly upon approval โ start using right away online or through Apple Pay / Google Pay. Order a physical card with one tap.
The real power of Earnifi: your rent payments build your credit score automatically.
Split rent into 2 payments over 15 days. Add roommates, pay any landlord, zero late fees.
On-time rent payments reported to Equifax, Experian & TransUnion โ completely free. Add co-signer to accelerate.
When payday arrives, Earnifi deducts the advance automatically. Nothing to do manually.
From your bank on payday
Never โ zero penalty
No interest accrual
No collections ever