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Your smile shouldn't wait for a paycheck
Get up to $150/day, with a max of $1,000 per pay period1, and join millions of customers who already use EarnIn.
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Aspen Dental Customers
Get $10 for your savings on us and first Lightning Speed transfer free2
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EarnIn
Cha-ching!
Your money is on the way
now
CASH OUT
Life doesn't wait for payday
Power bill? Pizza night? Mom's bday? Get up to $150/day, with a max of $1,000/pay period — for whatever life sends your way.1
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Join the millions who stress less and live more
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68%
EarnIn customers have avoided borrowing money or taking out loans4.
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4.4 million
Teachers, government employees, auto workers, and more use EarnIn.
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64%
Find it easier to pay their bills on time since using EarnIn4
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Aspen Dental Customers
Get $10 for your savings on us and first Lightning Speed transfer free2
On-demand pay is just the start
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LIGHTNING SPEED
Transfer to your bank — in minutes
Access your pay the same day you work, starting at $4.49 per transfer to your bank.4
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BALANCE SHIELD
Stress less about a low bank balance
Get custom alerts and automatic $100 transfers from your own pay (with a max of $1,000 between paydays) to help protect against overdrafts — wherever you bank.5
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CREDIT MONITORING
Navigate your credit with confidence
Get free, instant access to your Vantage Score 3.0® by Experian® right in the EarnIn app. Did we mention the free thing?6
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TIP YOURSELF
Save without a second thought
Automatically (or manually) save part of every paycheck.7
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Aspen Dental Customers
Get $10 for your savings on us and first Lightning Speed transfer free2
Quick answers to great questions
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Aspen Dental Customers
Get $10 for your savings on us and first Lightning Speed transfer free2
EarnIn is a financial technology company, not a bank. The Cash Out product is provided exclusively by EarnIn. Certain bank products are provided by Evolve Bank & Trust and/or Lead Bank, Members FDIC. The FDIC insures deposits to protect your money in the event of a bank failure. More details about deposit insurance here. Additional services in the app are offered in partnership with trusted third parties.
1 A 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 may not be available at all times and/or to all customers. 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.
2 Open a new EarnIn account and receive $10 as a welcome bonus. To receive the bonus you must set up a Tip Jar, and request a Cash Out within 3 months of signing up.
3 Based on survey conducted by EarnIn in 2024.
4 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 may not be available in all states and/or to all customers. Restrictions and terms apply. See the Lightning Speed Fee Table for details.
5 Balance Shield provides free alerts when your bank account balance drops below the threshold you set in your EarnIn account. You can also enable automatic transfers ($100/day -subject to your available earnings- with a limit of $1,000/pay period), if your bank account balance falls below your set threshold. If your available earnings are insufficient to transfer the $100, the transfer will not be completed.You choose the speed of these automatic transfers. Standard speed is available at no cost and the transfer typically takes 1-2 business days. Lightning Speed is available for a fee [see Lightning Speed Fee Table] and the transfer typically takes less than 30 minutes. You will also have the option to set a tip for automatic transfers. Tips are optional and can be $0; however, if you choose to set a tip, it will be applied to each Balance Shield transfer. Whether you tip, how much, and how often you tip does not impact the quality and availability of services. You can cancel the alerts and/or transfers at any time in your EarnIn account settings. See the Cash Out User Agreement for more details. While Balance Shield can help you avoid overdrafts, it does not guarantee protection from third-party fees, and its effectiveness depends on your usage and bank activity.
6 Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don't be surprised if your lender uses a score that's different from your VantageScore 3.0. Learn more.
7 Tip Yourself Account funds and Tip Jars are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service deposit account. For more information/details visit Evolve Bank & Trust Customer Account Terms. The FDIC provides deposit insurance to protect your money in the event of a bank failure. More details about deposit insurance here.