How does EarnIn cash advance work?

Download EarnIn on your phone and follow these steps:

1. Sign up: Create an account and link your bank to verify your identity and employment.
2. Transfer earnings: Tap the "Transfer Earnings" button on the home screen.
3. Choose amount: Select how much you want to advance (up to $150 per day, max $750 per pay period).
4. Select speed: Pick your transfer speed—Lightning Speed or ACH.
5. Optional tip: Enter a tip amount if you'd like.
6. Receive funds: Get the cash deposited into your bank account.
7. Repay: The advance and any tips are repaid when your paycheck is deposited.

Standard cash outs show up in your bank account in 1–3 business days and don’t cost anything.

Need money right away? Choose the Lightning Speed option and the cash usually arrives in 2–30 minutes. The first Lightning Speed transfer is free; after that you’ll pay roughly $2.99–$5.99 per transfer (some transfers can cost up to $6.99, depending on the amount and other factors).

Out of hundreds of reviews published in June and July 2025 that we analyzed, we found 80+ recent comments mentioning funding speed. Here's what users say about it:

• Instant for most: Over 70 users praise how quickly they received cash, often calling it "fast", "instant", "within minutes", or "money in seconds." Many appreciate the option to pay a small fee for instant transfers.
• Occasional delays: A few users reported issues with delayed transfers, even after paying for instant service. Some mention technical glitches or delays over weekends.

Overall, most users are happy with EarnIn's quick funding, but a small number have experienced delays or technical issues.