People of Earnin: Guillermo Cruz

Ever since he was 16, Guillermo has been on the grind. Currently working as a sales rep, he has goals of eventually moving up the ladder and into a career in IT. Hear more about his goals, motivations, and why he uses Earnin below:

“I'm a sales rep for T-Mobile, and I've been there for about a year and a half. I want to work there for a little while longer, but I do want to eventually work for Apple. I've had friends that work at Apple, and they seem to really like it.

Long-term, I just want to be happy at what I'm doing. I like IT and I'm into computers and stuff like that so that's always been very easy for me. In terms of what specifically [I want to do], I'm honestly not exactly sure yet but anything in IT would be good for me. My main goal is just to keep making good money. I'm 24 and last year, I made 35k. This year, I've already made 35k and on route to make around 40k. The two main things that have helped me earn more are commission and T-Mobile’s stock program where we basically get stocks for dirt cheap. I sold some of my stocks too, which in itself, made me like $2000.

In terms of my motivation, I've always been self driven. I come from a background where I don't really have things given to me so I've always had to work for what I have. I've had a consistent job ever since I was 16. Growing up, I wouldn’t say we were poor-poor, but my mom only made like 30k a year, So my main goal was to make more money than my mom. My mom is a very hardworking person who doesn't really rely on other people so I would say that's where I get a lot of my self-drive from. She came to the US in the late seventies and as a young kid, I would see she’s always had a job consistently. If something happened and she lost her job, she would just keep it moving and find another one.

I found Earnin through an ad. I saw it on Snapchat actually. I really liked the concept of Earnin because, unlike other apps that I had used that charge an express fee to get the money instantly, with Earnin, you can leave whatever you want. I really liked the fact that Earnin basically gives the user the power as to how much they want to give. Earnin is a lot more flexible. I feel like it's very generous that they don't have a $2 express fee, $5 express fee like these other companies. That's what has really kept me using Earnin. It's just a great concept.”

Check out the rest of our People of Earnin blogs! If you’re interested in sharing your story, send us an email at

Forget about pay periods! Join Earnin for near-instant access to wages you’ve already earned.
US Flag
Applies only to Community Members enrolled in Lightning Speed. Daily and pay period Maxes apply. Actual transfer speeds depend on your bank and could take up to 30 minutes. Restrictions and/or third party fees may apply. See our Terms of Service for details.
Learn how we collect and use your information by visiting our Privacy Policy.