By Editorial Team
Last Updated: Jun 13, 2025
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EarnIn is a cash advance app that lets you access your earned wages before payday without charging any mandatory fees, interest rates, or credit checks.
With EarnIn, you can access up to $150 per day and $750 per pay period, making it easier to manage unexpected expenses. Transfers to your bank account are free with standard delivery in 1-3 business days, or you can choose instant transfers starting at $2.99. The app automatically deducts the amount from your paycheck when it's deposited.
To use EarnIn, you need to be employed with a consistent pay schedule and receive your income via direct deposit into a checking account. The company is based in Palo Alto, California, and claims that millions of customers are using their services to get money moving.
Yes, EarnIn gives cash advances of up to $750 per pay period (up to $150 per day) without any mandatory fees or interest charges. You can access your earned wages before payday, and repayment is automatically taken from your next paycheck when it's deposited into your linked bank account. Standard delivery is free and takes 1–2 business days, while their Lightning Speed feature allows you to get the money within minutes for a fee starting at $2.99 per transfer.
To qualify for EarnIn, you need to meet the following criteria:
EarnIn will determine your eligibility based on these criteria, and there are no credit checks required. If you meet the requirements, you can access up to $150 per day and up to $750 per pay period from your earned wages before payday.
Apart from getting early access to your earnings, EarnIn has several other features that can help you manage your finances more effectively.
With Early Pay, you can receive your paycheck up to two days ahead of your regular payday. This means your direct deposit hits your bank account sooner, helping you cover expenses promptly. If you need access even faster, you can opt for expedited transfers starting at $2.99.
Balance Shield is designed to help you avoid overdraft fees. When your bank balance gets low, up to $100 can be automatically transferred from your earnings to prevent overdrafts. You can also set up custom low-balance alerts to keep an eye on your finances.
Tip Yourself makes saving money effortless. Every time you get paid, you can set aside some funds into a no-cost, FDIC-insured account. It's an easy way to work towards your financial goals without even thinking about it.
EarnIn lets you monitor your credit score directly within the app. You'll get access to your VantageScore 3.0® credit score provided by Experian®. Keeping an eye on your credit can help you stay ahead of surprises and potential fraud, and this feature is free.
The app also offers financial calculators to help you plan for the future. These tools are designed to assist with financial decisions, giving you insights to navigate your financial journey effectively.