Last Updated: 04/18/2025
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EarnIn Cash Out Review
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?
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.- 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?
Is EarnIn a legit company?
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.
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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.