Cash Advance Apps
What is EarnIn cash advance?

What is EarnIn cash advance?

By Editorial Team
Last Updated: Nov 13, 2025

EarnIn’s Cash Out feature lets you access wages you’ve already earned—up to $150 per day and $750 each pay period—before payday. There’s no interest or mandatory fees; standard delivery is free and lands in your bank within one to three business days. If you need the money right away, Lightning Speed can drop the cash in minutes for $2.99–$5.99 per transfer, and you can leave an optional tip of any amount.

Repayment is automatic on your next payday (or sooner if you choose). Because EarnIn bases eligibility on your verified work hours and direct-deposit history rather than your credit score, there’s no hard credit check, making it a quick, low-friction way to bridge a short cash gap.

Does EarnIn give cash advances?

Yes. EarnIn’s Cash Out feature lets you tap wages you’ve already earned—up to $150 a day and $750 each pay period. Standard delivery (1–3 business days) is free, or you can pay a Lightning Speed fee that starts at $3.99 to get the money in minutes. The app debits the advance, plus any optional tip, automatically on your next payday. There’s no interest, no mandatory fees, and no credit check.

Table of contents

Does EarnIn give cash advances?Advance amounts, fees and repayment termsEarnIn cash advance requirementsOther features

Advance amounts, fees and repayment terms

Advertised advance amounts
Up to $750
Monthly fee
Free
Time to get cash
1–2 business days
Expedite fee
$2.99–$5.99 per transfer
Time to get cash with express fee
Up to 30 min

EarnIn cash advance requirements

EarnIn cash-out basics:

  1. Age & location: Be 18+ and live in a U.S. ZIP code where the app is available.
  2. Direct-deposit pay: Your paycheck must land in a U.S. checking account (prepaid or savings won’t work).
  3. Regular schedule: Get paid weekly, bi-weekly, semi-monthly, or monthly—gig workers need predictable deposits, too.
  4. Minimum income: Bring in at least $320 each pay period.
  5. Trackable hours: Verify your work hours through a fixed job location or employer email; benefits-only income isn’t eligible.

Hit those marks and EarnIn will review your account daily to decide how much of your already-earned wages (up to $150/day, $750 per pay period) you can pull instantly.

Other features

EarnIn is more than a straight-up cash-advance app. If you’re looking for extra help with the timing of your paychecks, sidestepping overdrafts, or nudging yourself to save, here’s what else you can switch on.

Early Pay

Route your direct deposit to EarnIn’s partner bank and you can pull in your whole paycheck up to two days early. Waiting for the standard deposit is free; moving the money to another bank the same day costs $2.99.

Live Pay with the EarnIn Card

Grab an optional debit card and you’ll see newly earned wages land in the app after every shift. Spend them instantly with the card instead of waiting for payday.

Balance Shield

Set a low-balance threshold and EarnIn will either ping you with an alert or automatically spot you up to $100 (counts toward your $750 pay-period limit). Standard transfers are free; the usual Lightning Speed fee applies if you want the money in minutes.

Tip Yourself Savings Jars

Name a goal—emergency fund, holiday gifts, next month’s rent—and move money into an FDIC-insured jar manually or every payday. No subscription fee, no interest earned, just a separated stash that’s harder to raid.

Financial Insights & Alerts

The app supplies an Experian VantageScore 3.0 dashboard, change and fraud notices, budget calculators, bill-due reminders, and push notifications when new earnings become eligible for Cash Out.

Need a cash advance?