A cash advance is any short-term way of getting money quickly, often by borrowing against future income. Most of the time, that means debt. Credit card companies charge you 3-5% upfront, plus sky-high interest rates. Payday lenders hit you with $15-$30 for every $100 you borrow. Both keep you stuck in cycles that can benefit them, not you.
EarnIn isn't a cash advance at all. We're something better: earned wage access (EWA). You've already worked. You've already earned money. We just help you access it before your employer's payday schedule says you can.
Why should you wait until Friday for money you earned on Monday?
With EarnIn, you don't have to.
Getting your earned wages should be as easy as, well, earning them:
Connect your bank account and work info
See your available earnings in real time
Cash Out1 up to $150/day, with a max of $1,000 per pay period
Get your money in minutes with Lightning Speed3— starting at $3.99 and no interest
Everyone else wants to loan you money you'll have to pay back with interest. EarnIn gives you what others can't:
debt-free access to money you've already earned — with no mandatory fees.
$0 for standard transfers, Lightning Speed3 starts at $3.99
Never
None whatsoever
1-3 days for standard transfers, in minutes with Lightning Speed3
Get up to $150/day; max $1,000 per pay period.
Automatic from paycheck
Credit Card Cash Advance
3 - 5% + interest starts immediately
Yes, with interest
Good credit needed
Minutes to 1 day
Limited by credit line
Monthly payments pile up
Payday Loans
$15 - $30 per $100
Yes, expensive debt
None
Same day, high cost
Usually $100 - $500
Lump sum due fast
Other Apps
$1.99 - $40 per transaction
Sometimes
Varies
1 - 3 days
$20 - $500 range
Varies
$0 for standard transfers, Lightning Speed3 starts at $3.99
Never
None whatsoever
1-3 days for standard transfers, in minutes with Lightning Speed3
Get up to $150/day; max $1,000 per pay period.
Automatic from paycheck
Credit Card Cash Advance
3 - 5% + interest starts immediately
Yes, with interest
Good credit needed
Minutes to 1 day
Limited by credit line
Monthly payments pile up
Payday Loans
$15 - $30 per $100
Yes, expensive debt
None
Same day, high cost
Usually $100 - $500
Lump sum due fast
Other Apps
$1.99 - $40 per transaction
Sometimes
Varies
1 - 3 days
$20 - $500 range
Varies
You worked for it. You've already earned it. You should access it whenever you want. EarnIn eliminates the unnecessary wait between work and pay — without the debt.
While others charge $2, $8, even $40 per transaction, EarnIn runs on optional tips.2 Pay what feels right, or pay nothing at all. Seriously.
No credit checks to qualify. No credit reporting when you use it. Your financial flexibility doesn't impact your credit score.
Whether you're working shifts or a traditional 9-to-5, EarnIn adapts to how you actually work and get paid.
Traditional advances and payday loans want to keep you borrowing. We want to help you access your earnings and move forward.
Although EarnIn does not do cash advances, you can use Cash Out1 instead. Here is how it works:
Get the EarnIn app and connect your bank account.
Set up work verification through our timesheet, location tracking, or by connecting with your employer's systems.
New users typically begin with $20-$100 per day. Your available amount grows as you build history with us, up to $150/day, with a max of $1,000per pay period.1
Need money now? Lightning Speed3 transfers start at $3.99 but delivers in minutes. Not urgent? Standard delivery is completely free and arrives in 1–3 business days. Tips are optional.2
Your regular paycheck hits, EarnIn automatically collects what you accessed, life moves on. No manual payments, no forgotten due dates.
"So often, I live paycheck to paycheck. I would overdraw and get in a bind and not know what to do. EarnIn has helped keep me afloat. I haven't overdrawn my account since using it. Giving a tip to this company is so beyond worth it and cheaper than overdraft feels."
Lewing
Critical care nurse
Everyone else wants to loan you money you'll have to pay back with interest. EarnIn gives you what others can't: debt-free access to money you've already earned — with no mandatory fees.
Now your direct deposit can land in your bank account up to 2 days sooner — just $2.99 per expedited transfer.4
Millions of people have stopped waiting for payday and started accessing their earned wages when they need them.
Ready to say yes to today? Download EarnIn.
