Earnifi: Rent, Early Pay, Cash

Earnifi: Rent-Linked Credit Line + Early Pay Access

Build credit. Split rent. Get paid early.
Earnifi helps students and young professionals manage money smarter—through a rent-linked credit line, early paycheck access, credit-building tools, and a cashback Visa® card. No credit score? No problem.

Whether you're living with roommates or navigating student life on a tight budget, Earnifi gives you control, confidence, and cash flow—without credit card debt or payday loan traps.

Flexible Rent-Linked Credit Line
• Break up rent into weekly or biweekly installments
• Sync payments with your paycheck or allowance schedule
• Split rent with roommates and track who owes what
• Say goodbye to late fees and awkward Venmo chases
• Every on-time payment builds your credit history

Rewards Laden Visa® Spend Card
• Use your Earnifi Visa® card to tap and pay anywhere
• Rewards on food, rideshares, books coming soon
• Works seamlessly with Apple Pay and Google Pay
• Build healthy spending habits through real-time tracking

Build Credit While Paying Rent
• Report rent-linked credit line payments to major bureaus
• No credit card or hard inquiry needed
• Signature plan users can add a parent guarantor to accelerate credit building
• A smarter way to start your credit journey in college

Budgeting Tools + Smart Expense Management
• Track personal and shared expenses with one tap
• Get personalized insights from your AI-powered money coach
• Stay on top of utility bills, rent shares, and savings goals
• Everything in one secure, easy-to-use money app

Rewards, Perks, and Education
• Redeem rewards for gift cards, merch, or discounts
• Discover local student deals near your campus
• Join quick, helpful webinars on budgeting, credit, and taxes

Signature Plan Bonus Features
• Emergency rent buffer—up to $250 for urgent gaps
• Complimentary renter insurance (worth hundreds annually)
• 24/7 human support + priority chat for rent or roommate issues

Now Available In:
Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia

Not in your state yet?
Join the Earnifi waitlist in-app and get early access when we launch in your zip code. New states opening every month!

Ditch the stress. Keep the perks.
Earnifi replaces financial guesswork with powerful tools that help you build credit, split rent, budget smarter, and get paid faster—all in one app.

Download Earnifi and take charge of your financial future today.