CASH ADVANCE MATH / APPS LIKE EARNIN
EarnIn has no membership fee. See what changes when you compare it with 11 other apps, including their fees and account requirements.
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EarnIn Cash Out has $0 membership and no mandatory advance fee in the general model. Standard delivery is free ($0), usually 1-2 business days. Optional tips default to $0 here.
Limits: up to $150 per day and $1,000 per pay period. New members may start lower. New York's daily maximum is $100. EarnIn is not available in Connecticut.
| Transfer amount | General fee |
|---|---|
| $75 or less | $3.99 |
| $75.01 to $150 | $5.99 |
| Greater than $150 | $8.99, published tier only |
The published fee table includes a tier above $150. That does not override the general daily limit: this comparison does not calculate a single $200 or $250 EarnIn advance.
Indiana and Florida: 5% of the transfer, with a $3.99 minimum.
New York: $3.99 up to $100; the published table lists $5.99 above $100, but the daily maximum is $100.
Colorado and Wisconsin: no tips; fixed fees of $4.99 for $10 to $75, $6.99 for $76 to $150, and $9.99 for $150.01 to $200. The general comparison does not substitute these state fees or assume a higher daily limit.
EarnIn Card: $2.99 cash transfers with qualifying direct deposit, or $5.99 without. The separate Cash Out Link overdraft product adds a $1.99 service fee per transfer. Neither route is used in these examples.
The example: $100 over 14 days, standard delivery, another bank, $0 tip, one advance per month and no qualifying Varo deposits.
Paid in-app memberships are allocated entirely to this one advance. Dave uses its published maximum membership charge. Total payback includes membership even when it is billed separately. The 14 days are a comparison assumption; the provider sets the actual repayment date.
The model uses general fee tables. Personal limits, state exceptions, bank support and approval still need checking. MoneyLion's free route needs MoneyLion Spend, and Current's needs a Current Account. Neither is a free transfer to your selected outside bank.
Eight alternatives have a modeled price below. Equal-cost options are displayed alphabetically. Three more apps cannot be ranked for these inputs.
No delivery fee into a Current Account, typically within 3 business days.
Requires a Current Account and an eligible payroll deposit of $200 or more. This is not a transfer to your selected outside bank. State restrictions apply.
No delivery fee for standard ACH, usually within 3 business days. Klover+ is optional.
General fee table. Indiana, Wisconsin, Connecticut and Maryland have different terms. Points can lower delivery fees; no points discount is assumed.
No delivery fee to a MoneyLion Spend account, usually 1-2 business days.
Requires MoneyLion Spend. The July 2026 terms restrict free external delivery to people unable to open Spend; that exception is not assumed.
Plus membership, with free standard delivery in 3-4 days.
Uses the $5.99 Plus in-app route. Non-subscribers may contact customer service. Published maximums conflict; this comparison stops at $250.
Membership, with free ACH delivery in 1-3 business days.
Uses the $6.99 membership route. A no-cost route is available by email; timing is not verified. The maximum is $200. Indiana fees differ.
Membership, with free ACH delivery in about 1 business day.
Uses $8 per month after the trial. A waiver can be requested by email. Delivery to the Tilt debit card is free, generally within 1 minute. Wisconsin and Maryland fees differ.
Plus membership, with free delivery in 1-3 business days.
Uses the $8.99 Plus in-app route. A no-subscription application route is available by email; timing is not verified.
5% advance fee ($5 minimum), plus the allocated membership. Free ACH delivery takes 2-3 business days.
Uses up to $5 monthly membership. Instant delivery to Dave Checking has no delivery fee, but the advance fee still applies.
No price is assigned to these apps. Missing information and unmet requirements do not mean a $0 advance.
Not ranked. Requires Chime Checking, an activated physical card and qualifying direct deposits. Select Chime if that is your account.
Not ranked. Fee shown in app. Mandatory draw fees are unpublished, so even free delivery does not establish a free advance.
Not ranked. Requires a Varo account. Without $800 in qualifying deposits, the supplied percentage and dollar fee table conflict. Check the app; this price is not ranked.
Brigit and FloatMe document email routes without a subscription; Cleo allows a customer-service request, and Tilt allows an emailed membership-waiver request. Their response and approval timing are not verified. The ranking uses the paid in-app routes, and the calculator lists these conditional alternatives separately.
For the default $100 standard example, EarnIn ties at $0.00 total cost with Current, Klover and MoneyLion Instacash. The Current and MoneyLion routes require their own accounts.
For $100 with instant delivery, EarnIn's general Lightning Speed cost is $5.99, the lowest among the ranked app routes in this model. Unpublished prices are excluded, and state exceptions can change the result.
EarnIn is not ranked for a single $200 or $250 advance because those amounts exceed its general $150 daily limit. Several transfers over different days are a different scenario. See the Dave vs. EarnIn comparison for all eight examples.
All 12 cash advance app profiles cover fees, repayment and account requirements. Use the full cost calculator for another amount or delivery speed.
If you need more time to repay, read about credit union Payday Alternative Loans. They use different terms and eligibility requirements.