By Editorial Team
Last Updated: Apr 03, 2025
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EarnIn is a cash advance app that lets you access up to $750 of your earned wages per pay period before payday, without charging interest or mandatory fees.
With EarnIn, you can cash out up to $100 per day from the money you've already earned. Repayment happens automatically when your paycheck is deposited. There's no credit check, and you can choose to tip what you think is fair. If you need your money faster, you can use the optional Lightning Speed feature for a fee starting at $2.99.
To be eligible, you need to have a consistent pay schedule, earn at least $320 per pay period, and have a U.S. checking account. EarnIn was founded in 2013 and is based in California.
Yes, EarnIn does give cash advances of up to $750 per pay period. You can access up to $150 per day from the money you've already earned, without any mandatory fees, interest charges, or credit checks. Repayment happens automatically when your paycheck is deposited. If you need your money fast, the Lightning Speed option gets it to you in minutes for a fee ranging from $2.99 to $5.99 per transfer. Otherwise, the standard delivery will get you the cash in 1-2 business days for free.
There are a few main criteria that will make you qualified for a cash advance app from EarnIn:
EarnIn will then decide if you're eligible and determine the maximum cash advance they can offer you, up to $750 per pay period.
In addition to providing early access to your earned wages, EarnIn offers several other features that can help you manage your finances more effectively.
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.
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.
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.
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.
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.