The Earnin app puts in an $11 default “tip” on a $100, 11-day advance. The app discloses “0% APR,” but with a likely $4 expedite fee included, the cost is the equivalent of 498% APR.
![](/wp-content/uploads/2023/03/Earnin-tip-screenshot-1-20-23-for-100-11-day-advance-576x1024.jpeg)
The Earnin app puts in an $11 default “tip” on a $100, 11-day advance. The app discloses “0% APR,” but with a likely $4 expedite fee included, the cost is the equivalent of 498% APR.