Side by side
EarnIn for Employers vs Instant Financial
Both stand on earned wage access software. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidiPhone
EarnIn for Employers offers employees access to earned pay without requiring payroll-system integration, according to the company. Availability, earnings, and transfer limits apply, and employers are directed to schedule a demo.
Visit EarnIn for Employers
Free plan AndroidiPhoneWeb
Instant Financial combines next-day access to some earned wages with post-shift tip payouts and multiple ways to receive funds. Pricing is on request, while a free plan is listed.
Visit Instant FinancialThe facts
| EarnIn for Employers | Instant Financial | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | No |
| Runs on | Android, iPhone | Android, iPhone, Web |
| Lowest paid plan | Free or on request | See the plans |
| Plans published | 1 | 3 |
| Maker | Not published | Not published |
| Website | get.earnin.com | instant.co |
| On earned wage access software | #1 of 16 | #3 of 16 |
EarnIn for Employers: what it does well
- No employer cost or risk, according to EarnIn
- Requires no payroll or HCM integration
- Does not change payroll processes, according to EarnIn
- Cash Out has no interest or mandatory fees
- Includes credit monitoring and savings features
What to know first
- Services may not be available in all states
- Lightning Speed may be unavailable at times
- Transfers may take up to 30 minutes
- Access is subject to earnings and transfer limits
Instant Financial: what it does well
- Access up to half a day’s wages the next day.
- Tips can be processed after a shift.
- Funds can go to cards, bank transfer, or mobile wallet.
- Card supports withdrawals at 40,000+ surcharge-free ATMs.
- 24/7 in-app chat and phone support.
What to know first
- Pricing is on request.
- No free trial is listed.
- The free plan’s listed features are limited to pay access, tracking, and a Visa debit card.
Alternatives to EarnIn for Employers Alternatives to Instant Financial The whole list