Branch vs EarnIn
Zero of fourteen models named Branch first on the direct prompt; zero named EarnIn. Branch was named by thirteen of the fourteen models and EarnIn by fourteen and Branch carries 22 labels and EarnIn 31, so the shares are not directly comparable.
Named in two categories this edition.
Named in three categories this edition.
Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the earned wage access page.
By framing
BranchFirst choices, of fourteen modelsEarnIn
Across every category in the October 2026 Edition, Branch and EarnIn were named in the same answer thirty-one times, of the 69 answers naming Branch and the 89 naming EarnIn. In those answers EarnIn took the first choice zero times and Branch one.
Every model, every framing
| Model | Direct | Paraphrase | Comparative | Budget-constrained | Scale-constrained | Negative |
|---|---|---|---|---|---|---|
| Claude Haiku 4.5 | | |||||
| GPT-5.4 mini | | | ||||
| Gemini 3.5 Flash | | | ||||
| Perplexity Sonar | | |||||
| Grok 4.1 Fast | | | ||||
| Mistral Small | | | ||||
| DeepSeek V4 Flash | | | | |||
| Llama 4 Maverick | | |||||
| Qwen 3.7 Flash | | | ||||
| Kimi K2 | | | | |||
| GLM 4.7 FlashX | | | ||||
| MiniMax M2.5 | | | ||||
| GPT-6 Luna | | | | | ||
| Muse Glimmer 30B | |
Branch EarnIn first choice named as an alternative argued againstblank: not namedEach cell is one answer, Branch on the left and EarnIn on the right.The direct prompt
Neither was the first choice, one was named
1 of 14 modelsThe answer put something else first and named one of the two as an alternative.Neither was named
13 of 14 modelsThe answer made no first choice from these two in this category.Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.
By buyer segment
Branch4%#6 of 10EarnIn4%#7 of 10Branch2%#7 of 9EarnIn0%#9 of 9What the models said about Branch
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Five of five in this category shown.
“Branch (especially the “Flex”/direct‑to‑consumer model) | • Poor customer‑service reviews” MiniMax M2.5 · negative prompt · hard negative
“Core access may be conditional on switching banking to the Branch app; higher fees for withdrawals outside the Branch ecosystem” DeepSeek V4 Flash · comparative prompt · soft negative
“Branch stands out as the best option because: 1. Completely free for employers with no hidden costs” Kimi K2 · budget prompt · first choice
“For a company with a very limited benefits budget, I’d start with Branch.” GPT-6 Luna · budget prompt · first choice
“Choose DailyPay or Branch if: You are a large employer looking for a reliable, scalable solution” GLM 4.7 FlashX · comparative prompt · alternative
What the models said about EarnIn
Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Six of eight in this category shown.
“Weiser v. Activehours, Inc. d/b/a EarnIn is a Colorado state enforcement action alleging that EarnIn's "Cash Out" product is an unlawful, app-based payday loan” Muse Glimmer 30B · negative prompt · hard negative
“Providers to avoid or use only with extreme caution ... EarnIn (ActiveHours, Inc.) | • Alleged 300 %+ APR” MiniMax M2.5 · negative prompt · hard negative
“the primary provider to be cautious about—and arguably avoid if possible—is Earnin” GLM 4.7 FlashX · negative prompt · hard negative
“EarnIn is the strongest budget-oriented choice because it says it has no cost or risk to the business” GPT-5.4 mini · budget prompt · first choice
“Earnin is the best budget option” Perplexity Sonar · budget prompt · first choice
“Another option is Earnin, which allows employees to download the app and link it to their personal bank account without any employer involvement” Mistral Small · budget prompt · alternative
Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.