Cash Advance Apps
How much does EarnIn let you borrow?

How much does EarnIn let you borrow?

By Editorial Team
Last Updated: Jun 13, 2025

EarnIn lets you access up to $750 per pay period from your earned wages before payday. The maximum amount you can borrow is determined by your eligibility, which depends on factors like your consistent employment, pay schedule, and transaction history.

To qualify for higher advances, EarnIn looks for steady income and employment. You need to earn at least $320 every pay period and have a valid checking account that receives your direct deposits. Your borrowing limit may also be influenced by how often you get paid and the activity in your bank account.

Table of contents

Does EarnIn actually send you $750?How to get a bigger cash advance on EarnIn?

Does EarnIn actually send you $750?

Based on dozens of user reviews we analyzed, it looks like while you can eventually get higher cash advances from EarnIn, most people don't get the $750 maximum right away. Our data comes from reviews published in April and May 2025, offering the latest insights into how EarnIn works.

  • Advance limits can increase: some folks have managed to boost their limits up to $500 or even $750 after regular use and paying back on time.
  • Don't expect $750 immediately: many users mention starting with limits around $50 to $150 and needing to build up over time.
  • Limits may decrease unexpectedly: there are complaints about limits dropping even though payments were made on time, which can be pretty frustrating.

So, while EarnIn does offer advances up to $750, getting there might take some time and effort. You'll likely start with smaller amounts and need to prove your reliability to see your limit grow.

App reviews talking about Loan Amounts:
"...my amount of money I'm able to get has been going up and helping me when I need the help..."
"Love this app yes they start off small but they just want to see if they can trust you then they start going up..."
"...I signed up for this app and received $150 paycheck limit. I paid it back on time, but my next pay limit was $100..."

How to get a bigger cash advance on EarnIn?

Many EarnIn users have found that their cash advance limit increases over time with responsible use. Regularly paying back advances on time and maintaining a good repayment history can help build trust with EarnIn, potentially leading to higher borrowing limits.

Some users have reported their limits growing significantly, allowing them to access more funds when needed. However, others have experienced unexpected decreases in their limits despite timely repayments, suggesting that the criteria for limit changes may not always be clear.

To try and get a bigger cash advance on EarnIn, keep using the app consistently and ensure your repayments are on schedule. If your limit doesn't increase as expected, reaching out to EarnIn's customer support might provide clarification or assistance.