Last Updated: 04/18/2025
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Highlights
Key Takeaway 3
N/A
Amount Range
$10 - $150
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Fee
$0 - $2.99
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Minimum Monthly Income
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EarnIn Cash Out Review
EarnIn Cash Out is offered by EarnIn, founded in 2012 and based in Palo Alto, CA. EarnIn's Cash Out feature offers a flexible alternative to cash advances and payday loans by allowing users to access up to $150 per day, with a maximum of $750 per pay period, from their earned wages before payday. Unlike payday loans and cash advances that often come with high interest rates and fees, EarnIn charges no interest, requires no credit checks, and has no mandatory fees. EarnIn Cash Outs are available in 49 states, 5 US territories, and Washington, DC.
Key Takeaways
- Access up to $150/day, with a max of $750 between paydays. It’s the cash you’ve earned, ready when you need it1. Get money in your bank in minutes with Lightning Speed for a small fee, or in 1-3 business days at no cost.
- No interest: There’s no interest, no credit check, and no mandatory fees2.
EarnIn Cash Outs Pros & Cons
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EarnIn Cash Out FAQ
What rates and fees does EarnIn Cash Out charge?
Standard Speed transfers with EarnIn are free and take 1-2 business days. Lightning Speed transfers, which offer expedited service, range from $2.99 to $5.99 depending on the amount and product. Visit EarnIn's website for the most up-to-date fee details.How much cash can you access from EarnIn Cash Out?
Amounts start at $10 and go up to $150 depending on how much you qualify for. Access up to $150/day, with a max of $750 between paydays.
What do you need to qualify for EarnIn Cash Out?
EarnIn Cash Out does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. EarnIn Cash Out does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by EarnIn Cash Out.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does EarnIn Cash Out run credit checks?
No, EarnIn Cash Out will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion).
Is EarnIn a legit company?
EarnIn was founded in 2012, it is a well-established company that has been in business for 14 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
EarnIn Cash Out Disclosure: EarnIn is a financial technology company, not a bank. Banking services are provided by our bank partners on certain products other than Cash Out.
1: Cash Out Disclosure:
1A pay period is the time between your paychecks, such as weekly, biweekly, or monthly. EarnIn determines
your daily and pay period limits (“Daily Max” and “Pay Period Max”) based on your income and financial risk
factors as outlined in the Cash Out Maxes section of our Cash Out User Agreement. EarnIn reserves the right to adjust the Daily Max and Pay Period Max at its discretion. Your actual Daily Max will be displayed in your EarnIn account before each Cash Out.
EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1–2 business days. For faster transfers, you can choose the Lightning Speed option and pay a fee to receive funds within 30 minutes. Lightning Speed is not available in all states. Restrictions and terms apply; see the
Lightning Speed Fee Table and Cash Out User Agreement for details and eligibility requirements. Tips are optional and do not affect the quality or availability of services.
Lightning Speed Disclosure: 2. Lightning Speed is an optional service that allows you to expedite the transfer of funds for a fee. Depending on the product, the fee may be charged by EarnIn or its banking partner. Lightning Speed is not available in all
states. Restrictions and terms apply. See the Lightning Speed Fee Table for details.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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