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Millions use Earnin to obtain money before payday. Experts state the software is benefiting from them.

Millions use Earnin to obtain money before payday. Experts state the software is benefiting from them.

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PALO ALTO, Calif. — In advertisements on Snapchat and Hulu, Earnin makes a pitch to individuals who require cash immediately: The smartphone software allows visitors to already access money they’ve gained before payday. In trade, Earnin encourages users inside the application to “tip” about 10 % associated with money they receive.