How to Cancel Earnin Account

Earnin is an app that allows you to access your paycheck before payday by essentially getting a cash advance on your upcoming paycheck. While this can be helpful for some people who need money to tide them over between pay periods, Earnin is not without some controversy regarding its business model and fees.

If you signed up for Earnin but have decided it’s not the right solution for you, canceling your account is relatively simple. In this blog post, I’ll walk through the step-by-step process to cancel your Earnin membership so you can avoid any unwanted charges or access to your bank account going forward.

Reason for Deleting Earnin Account:

Before we delve into the cancellation process, let’s discuss some reasons why one might want to delete their Earnin account. It could be due to finding another financial app better suited to your needs, a change in financial circumstances, or simply no longer requiring the features and services provided by Earnin.

Step By Steps on Canceling Earnin Account:

Step 1: Open the Earnin App
Begin by opening the Earnin app on your mobile device. You will need to log in using your registered email address and password.

Step 2: Access Account Settings
Once you are logged in, locate the account settings option. This is usually represented by an icon or a menu button in the app’s interface. Tap on it to proceed.

Step 3: Find the “Delete Account” Option
In the account settings, you should be able to find a “Delete Account” or a similar option. It might be listed under a sub-menu, so take your time to navigate through the settings.

Step 4: Confirm Your Decision
When you choose to delete your Earnin account, you will be prompted to confirm your decision. This is an essential step to prevent accidental deletion. Make sure you understand that deleting your account is permanent and cannot be undone.

Step 5: Follow Additional Instructions
In some cases, Earnin may require you to complete additional steps or provide more information before the account deletion process is finalized. Follow any instructions given to ensure a smooth cancellation.

Frequently Asked Questions

1. Are there any fees or penalties for canceling my Earnin account?
No, there are no fees or penalties for canceling your Earnin account. You are free to close your account at any time without incurring any charges.

2. Will deleting my account remove my personal information from Earnin’s databases?
Yes, deleting your Earnin account will also remove your personal information from their databases. However, keep in mind that any data you have previously shared may have been used for analytical purposes while you were an active user.

3. Can I reactivate my Earnin account after deleting it?
No, once you delete your Earnin account, it cannot be reactivated. If you wish to use Earnin again, you will need to create a new account.

4. How long does it take for the account deletion to be processed?
Typically, the account deletion process is completed instantly. However, it’s recommended to check your email or any additional instructions from Earnin regarding the time frame for completion.

5. Will canceling my account affect my credit score?
No, canceling your Earnin account will not have any impact on your credit score. Earnin does not report to credit bureaus, so there is no need to worry about any negative consequences.


Canceling your Earnin account can be a straightforward process if you follow the steps mentioned above. Remember to confirm your decision and follow any additional instructions provided by Earnin. Deleting your account allows you to move forward with confidence, knowing that you have full control over your financial app preferences.

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