Fees checked against each app’s own terms Not financial advice
Best Cash Advance Appswhat each one really costs

EarnIn Cash Out: what $100 really costs

In brief

EarnIn charges no membership. Its money comes from optional tips and the Lightning Speed fee for instant delivery: $5.99 for $76–$150 under its standard pricing. Standard delivery in 1–2 business days is free. Some states have different instant prices. On its published terms, $100 delivered instantly and repaid in 14 days costs $5.99, or 156% APR; waiting for the standard transfer costs $0.00.

Fees and terms checked · Not financial advice

EarnIn Cash Out · instant

$100 advance · repaid in 14 days · instant delivery

Membership none
Lightning Speed fee $5.99
Tip $0.00
True cost$5.99
156%effective APR

5.99 ÷ 100.00 × (365 ÷ 14) × 100 = 156.2%

EarnIn Cash Out · if you wait

$100 advance · repaid in 14 days · standard delivery

Membership none
Standard delivery (1–2 business days) $0.00
Tip $0.00
True cost$0.00
0%effective APR

0.00 ÷ 100.00 × (365 ÷ 14) × 100 = 0.0%

In our ranking of cash advance apps, that puts EarnIn at 3 of 14 by the cost of a $100 instant advance. See the full ranking or change the amount and dates in the calculator.

Every published price

Quoted from EarnIn’s own pages, checked November 8, 2026. Each line links to where it says so.

ChargePriceFrom EarnIn’s page
Membership not required No interest, no credit check, no membership fees, nada.* Choose to pay a tip — only if you want.apps.apple.com
Lightning Speed fee $5.99 on $100 Lightning Speed Fee Cash Out column: $3.99 (Transfers of $75 or less)* / $5.99 (Transfers from $75.01 to $150)* / $8.99 (Transfers greater than $150)*. This version was last updated on November 2, 2026.earnin.com
Lightning Speed in IN, FL, TX, OH, IL and PA (5%, min $3.99) $5.00 on $100 Lightning Speed fees are 5% (minimum $3.99) of the transfer amount for IN, FL, TX, OH, IL, and PA customers.help.earnin.com
Lightning Speed in CO and WI (no tips there) $6.99 on $100 Customers in these states see fixed Lightning Speed fees based on the amount transferred. ... Cash Out | $0 | $10–$75 → $4.99 / $76–$150 → $6.99 / $150.01 - $200 → $9.99help.earnin.com
Standard delivery (1–2 business days) $0.00 Your Cash Out will generally be deposited into your Bank Account within 1-2 business days after you request a Cash Out.earnin.com
Tips optional You may choose to pay a voluntary gratuity (a "tip") when you elect to obtain a Cash Out. Payment of a tip is completely optional.earnin.com
Cash Out Link service fee (overdraft service fee, charged by Lead Bank) $1.99 A $1.99 service fee applies to every approved overdraft, regardless of whether it was incurred in connection with a Standard (ACH) or Lightning Speed deliveryhelp.earnin.com
Mandatory fees on Cash Out $0.00 You are not required to pay any fees or charges to use any of the Cash Out Services, however, additional fees may apply to use Lightning Speed.earnin.com

What other amounts cost

Repaid in 14 days, with any membership counted for one month. Small advances cost the most per dollar: a fee that doesn’t shrink with the amount weighs more on $25 than on $200. Blank cells mean EarnIn doesn’t publish that price.

AdvanceInstantAPRIf you waitAPR
$25.00 $3.99 416% $0.00 0%
$50.00 $3.99 208% $0.00 0%
$100.00 $5.99 156% $0.00 0%
$150.00 $5.99 104% $0.00 0%
$200.00 $8.99 117% $0.00 0%
$300.00 $8.99 78% $0.00 0%
$500.00 $8.99 47% $0.00 0%

Limits, eligibility and repayment

Maximum
$1000.00 Monthly bills? Weekly thrills? Get up to $200/day, with a max of $1,000 per pay period. earnin.com
To start
$85.00 Qualified customers get access to $85 Daily Max on average when signing up, but the amount can vary from $0-$200 depending on various factors. earnin.com
Who can get it
A consistent direct deposit pay schedule: weekly, biweekly, semi-monthly, monthly ... If you have a job, we’ll ask for a work email or work location. Cashout FAQ: You need a regular pay schedule and to earn at least $320 per pay period. help.earnin.com
Credit check
No, per its own pages No interest, no credit check, no mandatory fees earnin.com
Repayment
When your paycheck deposits into your linked bank account, EarnIn automatically deducts any accessed earnings, tips, and fees. Agreement: You do not have an obligation to repay any of the Cash Out Services ... However ... you will be prevented from using the Cash Out Services until you pay earnin.com
Interest
EarnIn does not charge interest on Cash Outs or mandatory fees for standard transfers, which usually take 1–2 business days. earnin.com
States
Cash Out is not available in all states. Connecticut: Cash Out & Balance Shield transfers will no longer be available starting 4 p.m. ET on 12/31/2023. Maryland: Maryland residents can have a Daily Max of $150. help.earnin.com
Bank connection
Plaid If you get an invalid credentials error when entering your bank username and password into Plaid, but are certain the information is correct... help.earnin.com
Works with Chime
Listed as not supported EarnIn is continually testing new ways to support our Chime users. Currently, this means we are allowing a small test group of people who bank with Chime to use EarnIn. help.earnin.com
Works with Cash App
Only “most banks” wording EarnIn’s list of supported banks changes based on our third-party connection provider and evolving technology. If your bank is supported, you’ll see it listed in the dropdown menu available when signing up for an account or updating your bank account. help.earnin.com

Worth knowing

  • EarnIn changes its fee table often; the version used here is dated November 2, 2026.
  • In some states EarnIn offers Cash Out Link instead, an overdraft product from Lead Bank with a $1.99 service fee on every overdraft, on top of any Lightning Speed fee. EarnIn doesn’t say which states.
  • Marketing says “starting at $3.99”: that price applies only to transfers of $75 or less.

Regulatory actions

From official sources only. A complaint states allegations; it is not a finding.

  • Colorado Attorney General and Administrator of the Colorado Uniform Consumer Credit Code (complaint): Colorado sued EarnIn in Denver District Court over its direct-to-consumer 'Cash Out' product, not its employer-integrated products. It alleges unlicensed high-cost lending in violation of Colorado's lending laws and its voter-approved payday lending limits, plus deceptive app design to push tips. Per the AG: from Jan 2023 to Jul 2025, EarnIn made more than 3.1 million loans to 56,778 Coloradans (about $300M) and collected more than $16M in tips and Lightning Speed fees. A tip or expedite fee was charged on more than 92% of transactions, the average APR was nearly 388%, and some APRs exceeded 1,000%. Status: Filed 2026-08-27. No resolution found on coag.gov as of 2026-11-08. Source
  • District of Columbia Office of the Attorney General (complaint): DC AG Brian Schwalb sued EarnIn in DC Superior Court under the Consumer Protection Procedures Act. He alleges that EarnIn's 'Cash Out' is a loan despite 'no mandatory fees' and 'no interest' marketing. He also alleges that 'Lightning Speed' fees (then $3.99 or $5.99) were buried in fine print, with default tips of $1 to $14. According to the complaint, the average APR on instant cash-outs is over 300% against DC's 24% cap, EarnIn lent without a DC license, and more than 20,000 DC consumers made over a million transactions since 2016. Status: oag.dc.gov shows no settlement or resolution as of 2026-11-08. Source

Close to EarnIn on cost

Albert Instant Advance

$0.00 · 0% APR

Chime MyPay

$3.00 · 78% APR

MoneyLion Instacash

$7.50 · 196% APR

Tilt Cash Advance (formerly Empower)

$8.00 · 209% APR

Sources for this page

How costs are calculated, what is left out and how to send a correction: methodology.

Cite this page

Best Cash Advance Apps. "EarnIn Cash Out: the true cost of a $100 advance." Updated November 8, 2026. https://bestcashadvanceapps.com/apps/earnin/