EarnIn lets you access up to $750 per pay period from the money you've already earned, without any mandatory fees or interest charges. To qualify, you need to earn at least $320 each pay period, have a consistent pay schedule, and verify your earnings through your bank account and employment information. When your paycheck arrives, EarnIn automatically debits the amount you borrowed.

Standard transfers take 1-2 business days, but if you need your money faster, you can use the Lightning Speed option to get your funds in minutes for a fee ranging from $2.99 to $5.99 per transfer. The app also allows you to leave a voluntary tip, but tipping is completely optional and doesn't affect your ability to use the service.

Beyond cash advances, EarnIn offers features like Balance Shield to help prevent overdraft fees, free credit monitoring, and financial planning tools. These extras can help you manage your finances more effectively while giving you early access to your earnings when you need it.

EarnIn might work well for you if:

• Need quick cash: You want to access money you've already earned before payday to cover unexpected expenses.
• No mandatory fees: You're looking for a cash advance without mandatory fees, interest, or credit checks.
• Regular income: You have a steady pay schedule and earn at least $320 per pay period.
• Automatic savings: You're interested in effortlessly saving money with the Tip Yourself feature.
• Avoid overdraft fees: You want to prevent overdraft charges with Balance Shield overdraft protection.
• Monitor credit: You'd like to keep an eye on your credit score for free within the app.
• Early paycheck access: You want the option to receive your paycheck up to two days early.

When EarnIn might not be a good fit:

• Irregular income: If you don't have a consistent pay schedule or earn less than $320 per pay period.
• Bank account requirements: If you don't have a U.S. checking account, as prepaid and savings accounts aren't accepted.
• Employment verification: If you're uncomfortable with verifying your employment via work email, electronic timesheets, or GPS tracking.

There are a few main criteria that will make you qualified for a cash advance app from EarnIn:

1. Age and Residency: You need to be at least 18 years old and live in the United States.
2. Bank Account: Have a U.S. checking account that accepts direct deposits (no prepaid or savings accounts).
3. Income and Employment: You must earn at least $320 per pay period from a verified employer or approved government benefits, with a consistent pay schedule.
4. Employment Verification: Be able to verify your work through timesheets, employer email, fixed work location, or by turning on GPS tracking.

EarnIn will then decide if you're eligible and determine the maximum cash advance they can offer you, up to $750 per pay period.

You will usually 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 choose the Lightning Speed option to get your funds in minutes. This will cost you $2.99 to $5.99 per transfer, depending on the amount.

Earnin will automatically withdraw the repayment amount from your linked bank account when your next paycheck hits. Here's what you need to know:

1. Automatic repayment: The amount (including any tips and fees) is debited on or around your next payday or the date you choose.
2. Changing or canceling repayment: If you need to adjust the repayment date or cancel the automatic debit, email care@earnin.com at least three business days before the scheduled date.
3. Future Cash Outs: If Earnin can't complete the repayment, you might not be able to use Cash Out services until the outstanding amount is paid.

In addition to providing early access to your earned wages, EarnIn offers several other features that can help you manage your finances more effectively.

Balance Shield

Worried about overdraft fees? EarnIn's Balance Shield feature has got you covered. It monitors your bank account balance and sends you notifications when it drops below a level you set. Plus, you can opt in for automatic cash outs from your earned wages when your balance is low, helping you avoid those annoying overdraft fees.

Tip Yourself

Saving money can be tough, but EarnIn's Tip Yourself feature makes it a bit easier. You can automatically save a chosen amount every time you get paid, all tucked away in a no-cost, FDIC-insured account within the app. It's flexible—you can adjust the amount or turn it off anytime—and it's a simple way to start building your savings without much effort.

Free Credit Monitoring

Keeping an eye on your credit score is important, and EarnIn helps you do just that. Within the app, you can access your Experian® VantageScore 3.0® credit score for free. It gives you insights into your credit health, so you can stay informed and make better financial decisions.

Financial Planning Tools

Planning for the future? EarnIn offers financial calculators and planning tools right in the app. Whether you're budgeting, saving for a goal, or just trying to get a handle on your finances, these tools can provide some valuable guidance.

Flexible Eligibility and Earnings Tracking

One of the convenient aspects of EarnIn is its flexible eligibility. You don't need to be a full-time employee—as long as you have a steady pay schedule and earn at least $320 per pay period, you can use the app. To verify your earnings, you can connect through a work email, electronic timesheets, or even enable GPS tracking if you work from a fixed location. And if you demonstrate good financial habits, you might qualify to increase your cash out max up to $750 per pay period.