Download EarnIn on your phone and follow these steps:

1. Sign up: Create an account in the app.
2. Link bank account: Connect your bank account to verify your identity and employment.
3. Add employer: Provide your employer details and confirm your work email.
4. Track earnings: Allow EarnIn to track your earnings through timesheets or GPS.
5. Request advance: Request the cash you need (up to $100-$150 per day and up to $750 per pay period) based on your available earnings.
6. Get your money: Choose how you want to receive the funds—instantly with a small fee or in 1-3 business days for free.

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.

Out of hundreds of reviews published in January, February, and March 2025 that we analyzed, we found 50+ recent comments mentioning funding speed. Here’s what users say about it:

• Fast for most: Over 50 users praise how quickly they received cash—often calling it “instant”, “fast”, or “lightning fast”.
• Fees for speed: A few mention that while the service is quick, the fees for lightning-fast transfers can be high.

Overall, users are very satisfied with EarnIn’s funding speed, finding it reliable and helpful when they need cash before payday.