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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.
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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·Nov 30·+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·Nov 27·+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.