How does EarnIn cash advance work?

Download EarnIn on your phone and follow these steps:

1. Sign up: Create an account within the app.
2. Link bank account: Securely connect your bank account to EarnIn.
3. Verify identity: Provide the required information to confirm your identity.
4. Confirm employment: Verify your employment details, like your work email.
5. Complete setup: Finish any additional prompts to set up your account.
6. Request cash: Tap "Transfer Earnings" and choose the amount you want (up to $150 per day or $750 per pay period).
7. Choose speed: Select your transfer speed—Lightning Speed or standard ACH.
8. Confirm transfer: Optionally add a tip, then confirm to receive the funds in your bank account.

You will typically receive your cash advance in your bank account within 1–2 business days with the free standard transfer.

If you need your money faster, you can use the Lightning Speed option to get it within minutes. This will cost between $2.99 and $5.99 per transfer, depending on the amount:

• $2.99 or $3.99 for advances up to $100
• $5.99 for advances over $100

Out of hundreds of reviews published in April and May 2025 that we analyzed, we found 100+ recent comments mentioning funding speed. Here’s what users say about it:

• Fast funding: Over 90% of users praise EarnIn for providing quick and easy access to cash, often noting they received funds "instantly", "within minutes", or "fast".

Overall, users are extremely satisfied with EarnIn’s quick funding, though a few mention minor delays.