How much does EarnIn let you borrow?

Based on hundreds of different user reviews we analyzed, it seems that while EarnIn advertises a maximum cash advance of $750, many users find it challenging to reach that amount. Our data is drawn from reviews published up to July 2025, providing insights into EarnIn’s current practices. The overall sentiment is mixed, with users experiencing varying advance limits.

• High Limits Possible: Some users report being able to access advances up to $500, $700, or even $850 after using the app for an extended period and building a history of timely repayments.
• Inconsistent Limits: Many users complain that their maximum advance amounts fluctuate unpredictably, sometimes decreasing from $700 to $360, or from $350 to $100, without clear explanations.
• Stuck at Low Amounts: Several users mention being stuck at lower advance amounts like $50 or $100, despite paying back on time and using the app responsibly for months.
• Daily Withdrawal Limits: Users are frustrated by daily withdrawal limits, often capped at $50, $100, or $150, preventing them from accessing larger amounts when needed.

So, if you're wondering whether EarnIn will actually send you $750, the answer seems to be: it's possible, but not guaranteed. Reaching the maximum advance amount appears to depend on multiple factors, including your earnings, consistent usage, and repayment history. Many users report challenges in increasing their limits or experiencing sudden reductions, so your mileage may vary.

Many EarnIn users have reported difficulties in increasing their cash advance limits. Despite making timely repayments and maintaining good standing, some users find that their pay period max doesn't increase and sometimes even decreases without clear explanation. This inconsistency can be frustrating, especially when there's no transparent criteria provided on how to boost your limit.

To potentially get a bigger cash advance on EarnIn, it helps to continue using the app responsibly and ensure all repayments are made on time. However, users note that even with a solid repayment history, increases aren't guaranteed due to EarnIn's unclear policies. The recent change to the 'Max Boost' feature—now requiring boosts from coworkers—has also made it harder for users to access higher amounts, particularly for those who prefer to keep their financial matters private.

If you're aiming to raise your cash advance limit, you might consider reaching out to EarnIn's customer support for guidance, though experiences with support seem to vary. Ultimately, while EarnIn can be a handy tool when you need quick access to funds, it might be worth exploring other apps or services if increasing your cash advance limit is a priority for you.