Every category where a model named EarnIn for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant
Earned wage access	Compensation and total rewards	0%	44 of 61	41%	27	criticized challenger

Movement

This is the first edition on this tier, so no move can be computed for EarnIn yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated EarnIn across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

Model	Alternative	Mention	Negative	Labels
Claude Haiku 4.5	0	1	1	2
GPT-5.4 mini	2	0	1	3
Gemini 3.5 Flash	1	0	1	2
Perplexity Sonar	2	0	1	3
Grok 4.1 Fast	2	0	2	4
Mistral Small	1	0	1	2
DeepSeek V4 Flash	1	0	1	2
Llama 4 Maverick	0	1	1	2
Qwen 3.7 Flash	1	0	0	1
Kimi K2	0	1	1	2
GLM 4.7 FlashX	1	1	1	3
MiniMax M2.5	1	0	0	1

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct5 labelsNone

Paraphrase6 labelsNone

Comparative23 labelsNone

Budget-constrained7 labels1

Scale-constrained2 labelsNone

Negative27 labelsNone

First choiceAlternativeMentionNegative70 labels in all, every segment counted; 1 of the 1 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“If you are an employee without employer support: EarnIn is your only real option, but you pay higher fees and face a lower cap.” DeepSeek V4 Flash · Earned wage access · comparative prompt · alternative

“Direct-to-consumer (e.g., Earnin): No employer tie; estimates from bank history. Higher risk, optional tips/fees.” Grok 4.1 Fast · Earned wage access · comparative prompt · alternative

“Gig workers and individuals looking for fast, fee-free advances may prefer EarnIn or MoneyLion.” GLM 4.7 FlashX · Earned wage access · comparative prompt · alternative

“for a free\u2011to\u2011employee, consumer\u2011oriented product, Earnin is the leader” MiniMax M2.5 · Earned wage access · comparative prompt · alternative

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“The District of Columbia Attorney General has filed suit against ActiveHours Inc., doing business as EarnIn, alleging that the app-based lender deceptively marketed and provided illegal high-interest loans” Claude Haiku 4.5 · Earned wage access · negative prompt · hard negative

“Be cautious with Earned Wage Access (EWA) providers facing significant legal challenges ... EarnIn: Sued by D.C. Attorney General” Grok 4.1 Fast · Earned wage access · negative prompt · hard negative

“Sued by DC AG (Nov 2024), Colorado AG (Aug 2026) | Illegal interest rates via "tips" and expedited fees; deceptive practices” Kimi K2 · Earned wage access · negative prompt · hard negative

“their "voluntary" tips can result in effective APRs of 120%–365% ... Avoid providers that rely on tips or subscriptions” Mistral Small · Earned wage access · negative prompt · hard negative

Named alongside

The products named in the same answers as EarnIn, over the 70 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and EarnIn was named but was not.

ProductSame answerTook the first choice insteadHead to head

DailyPay57 of 7019Not in the top three

Payactiv46 of 7013Not in the top three

ZayZoon37 of 7021Not in the top three

Tapcheck33 of 7011Not in the top three

Branch32 of 700Not in the top three

Rain24 of 701Not in the top three

Dave23 of 700Not in the top three

MoneyLion23 of 700Not in the top three

Brigit21 of 700Not in the top three

Chime Workplace16 of 701Not in the top three

A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named EarnIn. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 66 of the 70 answers that named EarnIn and are not a share of its labels.

Domains cited

enterprise.chime.com46

guideflow.com36

us.fitgap.com24

best-earned-wage-access-providers-usa.lovable.app23

juicefin.com23

dailypay.com21

hrtechsaas.com20

pickmysoft.com20

g2.com19

fintechspecs.com18

250 of the 250 domain citations in answers naming EarnIn came from somebody else's page.

Pages cited

enterprise.chime.com/blog/best-earned-wage-access-providers-202643

guideflow.com/blog/earned-wage-access-software34

juicefin.com/resources/top-earned-wage-access-companies-in-202423

best-earned-wage-access-providers-usa.lovable.app/20

hrtechsaas.com/blog/best-earned-wage-access-providers-employers20

pickmysoft.com/blog/best-earned-wage-access-software20

us.fitgap.com/search/earned-wage-access-software/small-business20

fintechspecs.com/blog/best-earned-wage-access-providers-platforms18

Pages are listed as the models cited them.

Names read as EarnIn

What the judge wrote, as written, with how often. The vendor table decides that these count as EarnIn; a claim can dispute any of them.

Earnin 6EarnIn (ActiveHours) 1EarnIn (ActiveHours, Inc.) 1EarnIn (formerly Earnin) 1

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when EarnIn's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as EarnIn, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at earnin.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.