Competitors
50
Go Back
Earnifi: Rent, Early Pay, Cash
apps.apple.comSummary
Earnifi is a mobile application designed for students and young professionals to manage their finances. It offers features like splitting rent into installments, early paycheck access, credit building tools, and a cashback Visa card. The app aims to help users manage money smarter without relying on traditional credit card debt or payday loans.
Feature Matches2/12
See all2/12
Must Have
2 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Instant P2P Transfers
Commission-Free Stock Trading
Bitcoin Trading
Other
0 of 7
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
ATM Access & Fee Reimbursement
PricingTiered
See allTiered
Base App
$0.99 one time
- Rent-linked credit line (break up rent into installments, sync payments, split with roommates, track who owes what, no late fees, builds credit history)
- Early paycheck access
- Credit-building tools (report rent-linked credit line payments to major bureaus, no credit card or hard inquiry needed)
- Cashback Visa® Spend Card (tap and pay anywhere, rewards on food/rideshares/books coming soon, Apple Pay/Google Pay, real-time tracking)
- Budgeting tools + smart expense management (track personal and shared expenses, AI-powered money coach, stay on top of utility bills/rent shares/savings goals)
- Rewards, Perks, and Education (redeem rewards for gift cards/merch/discounts, local student deals, webinars)
Signature Plan
Custom
- Emergency rent buffer (up to $250 for urgent gaps)
- Complimentary renter insurance
- 24/7 human support + priority chat for rent or roommate issues
- Option to add a parent guarantor to accelerate credit building
Rationale
Earnifi offers an 'Early Pay Access' feature, which directly aligns with the 'Early Direct Deposit' feature. Additionally, it provides a 'Rewards Laden Visa® Spend Card', which functions as a prepaid debit card. While it focuses heavily on rent-linked credit and budgeting, these two features are clearly present and match the concept.
Found via App StorePaid
See allbest alternatives to competitor product 2024
competitor vs alternative comparison honest review
GossipPaid
See allBest alternatives to [Product] in 2024?
Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
Show HN: We built a better [Product]
Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
[Product] vs Competitor B - which one should I choose?
Reddit·confused_buyer·Oct 14·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Oct 11·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.