Small business▲+2Since September 2026: 3% → 5%, +2 points. Inside the 13-point floor: within noise. Read over the models both editions asked.
5%from 3% in September 2026
Inside the floor by 11 pointsRank 8 → 5 of 37
3 categories · RankedEarnIn
89Judge labels
4First choices
46Negative labels
14 / 14Models named it
3Categories
October 2026 Edition. Every number here is derived from the raw labels under vendor table v2026-10.7, every buyer segment counted.
Best standing
4% in Earned wage access for mid-market buyers
Rank 7 of 54 in the mid-market standingcriticized challenger
0 of 14 models made it the first choice on the direct prompt; 35% of its 31 labels there were negative.
What the models named instead of EarnIn →By buyer segmentRead the same way at every buyer size.
Small business5 of 38
4%30 labels
criticized challenger
Mid-market7 of 54
4%31 labels
criticized challenger
Enterprise55 of 55
0%18 labels
criticized challenger
In earned wage access · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading
Standing by category
Every category where a model named EarnIn for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.
| Category | Function | Share | Rank | Negative rate | Labels | Quadrant | Since September 2026 |
|---|---|---|---|---|---|---|---|
| Earned wage access | Compensation and total rewards | 4% | 7 of 54 | 35% | 31 | criticized challenger | ▲+5Since September 2026: 0% → 5%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked. |
| Financial wellness platforms | Compensation and total rewards | 0% | 117 of 117 | 75% | 4 | under 10 labels · led by LearnLux at 24% | |
| Compensation management | Compensation and total rewards | 0% | 117 of 140 | 100% | 1 | under 10 labels · led by Pave at 18% | newNew since September 2026: not ranked then, 0% now. |
Movement
Since September 2026, EarnIn held within the floor in all three categories: no change cleared 13 points.
Best category · Earned wage access · by segment
Mid-market▲+5Since September 2026: 0% → 5%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked.
5%from 0% in September 2026
Inside the floor by 8 pointsRank 43 → 5 of 44
Enterprise=heldSince September 2026: 0% → 0%, ±0 points. Inside the 13-point floor: within noise. Read over the models both editions asked.
0%from 0% in September 2026
Inside the floor by 13 pointsRank 36 → 53 of 53
All categories · Mid-market
| Category | September 2026 | Now | Change | Reading | Rank |
|---|---|---|---|---|---|
| Earned wage access | 0% | 5% | ▲+5Since September 2026: 0% → 5%, +5 points. Inside the 13-point floor: within noise. Read over the models both editions asked. | Within noise | Rank 43 → 7 of 54 |
| Financial wellness | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 117 of 117, unchanged |
| Compensation management | 0% | 0% | newNew since September 2026: not ranked then, 0% now. | New this edition | Rank 117 of 140, unchanged |
Shares here are read over the models both editions asked, so they can differ by a point or two from the standing above, which counts every model in this edition.
The floor is 13 points of share, measured: how far the models move a leader on their own when the same questions are asked twice with nothing changed. A larger change is movement; a smaller one is noise, and both are shown. Movement is read over the twelve models both editions asked; GPT-6 Luna, Muse Glimmer 30B joined this edition and are in the standing but not yet in the comparison. How the floor is measured · The editions
By model
How each model treated EarnIn across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.ShowHide
By model
How each model treated EarnIn across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.
ShowHide| Model | First choice | Alternative | Mention | Negative | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 1 | 1 | 2 |
| GPT-5.4 mini | 1 | 1 | 0 | 0 | 2 |
| Gemini 3.5 Flash | 0 | 1 | 0 | 2 | 3 |
| Perplexity Sonar | 1 | 0 | 1 | 0 | 2 |
| Grok 4.1 Fast | 0 | 1 | 1 | 1 | 3 |
| Mistral Small | 0 | 2 | 0 | 0 | 2 |
| DeepSeek V4 Flash | 0 | 1 | 0 | 2 | 3 |
| Llama 4 Maverick | 0 | 1 | 2 | 0 | 3 |
| Qwen 3.7 Flash | 0 | 1 | 0 | 2 | 3 |
| Kimi K2 | 0 | 1 | 0 | 2 | 3 |
| GLM 4.7 FlashX | 0 | 2 | 0 | 1 | 3 |
| MiniMax M2.5 | 0 | 1 | 1 | 1 | 3 |
| GPT-6 Luna | 0 | 0 | 0 | 2 | 2 |
| Muse Glimmer 30B | 0 | 0 | 1 | 1 | 2 |
By framing
Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.
FramingLabels by classFirst choices
Direct4 labelsNone
Paraphrase2 labelsNone
Comparative22 labels1not counted in share
Budget-constrained14 labels4
Scale-constrained6 labelsNone
Negative41 labelsNone
First choiceAlternativeMentionNegative89 labels in all, every segment counted; 4 of the 5 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.
What the models said for it
Verbatim evidence the judge attached to positive labels.
“EarnIn is the strongest budget-oriented choice because it says it has no cost or risk to the business” GPT-5.4 mini · Earned wage access · budget prompt · first choice
“Earnin is the best budget option” Perplexity Sonar · Earned wage access · budget prompt · first choice
“Another option is Earnin, which allows employees to download the app and link it to their personal bank account without any employer involvement” Mistral Small · Earned wage access · budget prompt · alternative
“No mandatory fees/tips model; mobile-first... | Individuals wanting flexibility without employer buy-in.” Grok 4.1 Fast · Earned wage access · comparative prompt · alternative
And against it
Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.
“Weiser v. Activehours, Inc. d/b/a EarnIn is a Colorado state enforcement action alleging that EarnIn's "Cash Out" product is an unlawful, app-based payday loan” Muse Glimmer 30B · Earned wage access · negative prompt · hard negative
“Providers to avoid or use only with extreme caution ... EarnIn (ActiveHours, Inc.) | • Alleged 300 %+ APR” MiniMax M2.5 · Earned wage access · negative prompt · hard negative
“the primary provider to be cautious about—and arguably avoid if possible—is Earnin” GLM 4.7 FlashX · Earned wage access · negative prompt · hard negative
“exercise extreme caution with: EarnIn, MoneyLion, DailyPay, Empower, and PayActiv” DeepSeek V4 Flash · Earned wage access · negative prompt · hard negative
Named alongside
The products named in the same answers as EarnIn, over the 89 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and EarnIn was named but was not.ShowHide
Named alongside
The products named in the same answers as EarnIn, over the 89 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and EarnIn was named but was not.
ShowHideProductSame answerTook the first choice insteadHead to head
A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.
What carried it into the answer
The sites and pages cited by the answers that named EarnIn. A fact about retrieval, not a lever on the model.
Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 88 of the 89 answers that named EarnIn and are not a share of its labels.
Domains cited
guideflow.com50
g2.com42
enterprise.chime.com39
peoplemanagingpeople.com36
us.fitgap.com33
dailypay.com27
sourceforge.net24
finder.com21
juicefin.com19
fintechspecs.com18
309 of the 309 domain citations in answers naming EarnIn came from somebody else's page.
Pages cited
Pages are listed as the models cited them.
Search and answers
earnin.com is not in Google's top ten for any of the category's searches. In the answers, EarnIn takes 4% of first choices and Tapcheck takes 38%.ShowHide
Search and answers
earnin.com is not in Google's top ten for any of the category's searches. In the answers, EarnIn takes 4% of first choices and Tapcheck takes 38%.
ShowHideIn search
Google, US estimatesPosition for “earned wage access provider”
–
not in the top ten
Position for “earned wage access providers”
–
not in the top ten
- Searches for its name, Google
- 90,500 a month (“earnin”)
- AI search demand for its name, est.
- 1,682 a month
- Organic visits to its site
- about 181,128 a month
- Searches its site ranks for
- 12,792 · 705 in the top three
- Sites linking to it
- 3,636
- Paid Google search
- No ads found in the estimate; that does not mean it runs none
In answers
This editionShare of first choices
4%
rank 7 of 54 in earned wage access
Segment leader
38%
Tapcheck
- First choices
- 4 across its categories
- Named in
- 89 answers
- Its own site cited
- in 88 of the answers that named it
Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.
What it publishes
ShowHide
What it publishes
ShowHideAddresses on earnin.com
2,152
subdomains included
Content
201
counted in the table below
Documentation
0
Product · Integration
6 · 0
| Kind | Pages | Last 90 days | 2025-10 to 2026-09 | Latest | Categories named |
|---|---|---|---|---|---|
| Blog | 122 | undated | |||
| Template or tool | 61 | undated | |||
| Comparison | 11 | undated | |||
| Glossary or explainer | 3 | undated | |||
| News or press | 2 | undated | |||
| Webinar or virtual event | 1 | undated | |||
| Conference or event | 1 | undated |
How it is countedHide how it is counted
Every page earnin.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. An event counts as online when its address or title says so (webinar, on demand, virtual or online summit); a conference, summit, trade show, expo or roadshow that does not say so is counted as a conference or event, which on a vendor's site is mostly in person. Read September 29, 2026.
Names read as EarnIn
What the judge wrote, as written, with how often. The vendor table decides that these count as EarnIn; a claim can dispute any of them.
Earnin 16EarnIn (Activehours Inc.) 1EarnIn (Activehours, Inc.) 1EarnIn (dba Activehours) 1EarnIn (formerly Earnin) 1EarnIn / Activehours Inc. 1
Follow EarnIn
An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.
Already following? Everything you follow, with a stop for each.
The company
EarnIn is its own company.ShowHide
The company
EarnIn is its own company.
ShowHideIn its own words
Stated by the vendor, not checked- Positioning
- You worked today. Get paid today.
- For
- salaried and hourly workers
- Price stated
- Direct deposits in your bank account up to 2 days sooner for $2.99; Lightning Speed for a small fee starting at $3.99 earnin.com
- Starting price
- 2.99 earnin.com
- Free plan or trial
- standard transfers are free and typically arrive in 1–2 business days; no mandatory fees earnin.com
- Customers named
- DanielleMikeIsaiahAlenaBrittanyJamisonTerranceKeisha
- Not stated on the pages read
- Integrations, certifications, hosting
What EarnIn's own pages state, read September 28, 2026: earnin.com, trust.earnin.com, earnin.com/products/cashout. A claimed page can correct any of them.
Is this your product?
Claim this page
Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when EarnIn's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as EarnIn, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.
What a new claim receivesHide what a new claim receives
A new claim receives the current edition's vendor brief for EarnIn by email, built from the raw record of the edition. It shows:
- where EarnIn is named, by buyer and by framing, and which cells hold its first choices;
- the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
- its vocabulary against the segment leader's, and the pages the models cited;
- who was chosen in the answers that did not name EarnIn, and every reason the record gives;
- a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
- one page of published figures cleared to show a buyer.