CASH ADVANCE MATH / EARNIN CASH ADVANCE
Cash Out has a daily limit as well as a pay-period limit. Compare delivery costs, check the income requirements and read the dated legal record.
We may earn a commission from some provider links. It never changes the order, which is always set by cost. How we make money
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.
Every example uses 14 days, another bank, $0 tip, one advance per month and no qualifying Varo deposits. Required membership is allocated to this one advance. Total payback includes that membership even when it is billed separately.
Instant examples use an external account. MoneyLion standard delivery still requires MoneyLion Spend. The provider sets the actual repayment date. The 14-day period is a comparison assumption. These are general fee illustrations, with state exceptions and personal limits still to check.
Unpublished charges stay unknown. An amount above the modeled limit stays unavailable; it is not treated as a free advance. Equivalent APR annualizes the cost for comparison and is not the provider's advertised or legal APR.
| Amount received | Standard delivery | Instant delivery |
|---|---|---|
| $50 |
Equivalent APR: 0.0% No delivery fee if you can wait 1-2 business days. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
Equivalent APR: 208.1% Lightning delivery fee; no monthly membership. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
| $100 |
Equivalent APR: 0.0% No delivery fee if you can wait 1-2 business days. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
Equivalent APR: 156.2% Lightning delivery fee; no monthly membership. General fee table, up to $150 per day. Fees, tips and limits differ in some states. Approval and your limit are not assured. |
| $200 | Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. | Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
| $250 | Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. | Not ranked. Up to $150 per day in the general program. This amount needs transfers on different days, so it is not ranked as one advance. New York has a lower daily cap. |
18+, primary residence in the US (including territories), a US checking account at a supported bank (no prepaid or savings accounts), a US mobile number, and a consistent direct-deposit pay schedule; EarnIn must verify at least 2 qualifying direct deposits. Employed users provide a work email or work location; Social Security (incl. SSDI), SSI and VA compensation or pension deposited to the linked checking account are accepted, unemployment is not. No credit check. Not offered in Connecticut.
Not available in Connecticut (since 2023-12-31, after the Connecticut Department of Banking treated EWA as lending). Colorado and Wisconsin: no tips, fixed fees. Indiana, Florida and New York have different Lightning fees; New York Daily Max $100. EarnIn says 'Cash Out is not available in all states' but names only Connecticut. Licensing: EarnIn lists NMLS numbers and says most licenses can be verified at nmlsconsumeraccess.org; California customers are directed to the DFPI for complaints.
Automatic ACH debit from the linked bank account on the day your paycheck posts (which can be before the employer's official payday if your bank posts early), for the transferred amount plus optional tip and Lightning fee. Debits can be rescheduled to the next pay period (once every 60 days, request by 8 a.m. PT one business day before) or paid early via 'Pay now' (Early Pay and EarnIn Card users).
Account goes on hold: Cash Out, Cash Out Link and Live Pay are unavailable until the outstanding amount is repaid; EarnIn reschedules debits for a future payday and may send them earlier if it sees enough balance. Cash Out User Agreement (effective 2026-01-30): no obligation to repay, 'no legal or contractual claim or remedy', no debt collection, no placement or sale of the debt to third parties and no reporting to consumer reporting agencies. Your own bank's overdraft/NSF fees can still apply.
Activehours, Inc., d/b/a EarnIn (Mountain View, California; NMLS #2535570). Affiliate EarnIn US1 LLC (NMLS #2567882). Cash Out is provided directly by Activehours, Inc.
Cash Out itself has no bank partner (funded by Activehours, Inc.). EarnIn Card and the Early Pay deposit account are issued by Evolve Bank & Trust, Member FDIC. The separate 'Cash Out Link' product is an overdraft line on a Lead Bank (Member FDIC) account with a $1.99 service fee per request.
The operator and product terms are documented on this page. That does not establish that an advance is suitable for you or resolve allegations in a lawsuit. The legal record below was checked Sep 29, 2026.
A complaint records allegations, not a finding of liability. Settlements, entered orders, pending cases and supervisory agreements are labelled separately. Research coverage may be incomplete; dates and outcomes are limited to the cited records.
2021-01-27
Supervisory agreement
EarnIn agreed to reporting and fee disclosures under a DFPI memorandum of understanding, rather than an enforcement order.
Activehours, Inc. d/b/a Earnin was one of five EWA companies that signed memoranda of understanding with the DFPI, agreeing to quarterly reporting and fee disclosure. Supervisory agreement, not an enforcement action.
2021-03-25 (final approval)
Settlement approved
The Perks class action settled for a $3 million fund and up to $9.5 million in forgiveness; EarnIn did not concede the merits.
Class counsel settlement record
Users alleged lending-law violations and bank overdraft fees caused by EarnIn debits (class period 2015-09-03 to 2020-05-28, about 273,000 users). Settled: $3 million fund plus forgiveness of up to $9.5 million for suspended users; EarnIn did not concede the merits.
2024-11-19
Lawsuit, current status unverified
The DC attorney general alleged misleading Cash Out marketing and unlicensed lending; the research did not verify the current case status.
Lawsuit alleging EarnIn deceptively marketed Cash Out as free and not a loan while Lightning Speed fees ($3.99 to $5.99) produced average APRs above 300% versus DC's 24% cap, and lent without a license to 20,000+ DC residents (1M+ transactions). Seeks injunction, restitution and civil penalties. Current status not verified.
2026-08-27
Lawsuit, pending
The Colorado attorney general alleged unlicensed high-cost lending and deceptive practices in Cash Out; the case was pending.
Lawsuit alleging EarnIn's direct-to-consumer Cash Out is a high-cost payday loan: 3.1M+ loans to 56,778 Coloradans (Jan 2023 to Jul 2025), $16M+ in tips and Lightning fees, average APR nearly 388%, some above 1,000%, no supervised lender license, deceptive app design. Pending.
Both comparisons use $100, 14 days, another bank, $0 tip, one advance per month and no qualifying Varo deposits. Each group keeps its stated delivery speed. Bank support and approval must be checked with each provider.
MoneyLion standard delivery requires MoneyLion Spend, and Current standard delivery requires a Current Account. Those routes are not free transfers to the selected bank. Separate account discounts and membership-waiver routes are excluded from this shortlist.
No other priced primary app route has a lower modeled total for these inputs. Unknown prices cannot establish that this is the cheapest possible offer.
No other priced primary app route has a lower modeled total for these inputs. Unknown prices cannot establish that this is the cheapest possible offer.
Apps like EarnIn: all 11 alternatives in the $100 standard example.
For another amount, use the scenario links in the cost table or the full calculator. If you need longer to repay, compare credit union Payday Alternative Loans.
Pricing snapshot: Sep 29, 2026. Product terms and legal record: Sep 29, 2026. These dates describe the reviewed sources; confirm current terms with the provider.
All cash advance app profiles · Editorial method and affiliate disclosure