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EarnIn cash advance: what it really costs
Lets you draw on pay you've already earned, up to $150 a day and $1,000 per pay period. No membership; the standard transfer is free, and instant transfers cost $3.99–$8.99. Tips are optional.
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$100 today
$5.99
≈156% a year if repaid in 14 days
$100 by standard transfer
$0
≈0% a year if repaid in 14 days
| Operated by | Activehours, Inc. (EarnIn) (partner bank: Evolve Bank & Trust or Lead Bank (for some transfers)) |
|---|---|
| Advance limits | up to $150 |
| Monthly membership | $0 |
| Instant transfer fee | Lightning Speed: $3.99 up to $75; $5.99 for $75.01–$150; $8.99 above $150. Different pricing in Indiana, Florida and New York; a no-tip fee model in Colorado and Wisconsin. |
| Standard transfer | Free, 1–3 business days |
| Tips | Optional; you choose the amount |
| Repayment | Taken automatically from your bank account when your paycheck arrives |
| If a repayment fails | Not stated on the pages we could read |
| Who qualifies | A regular pay schedule and at least $320 earned per pay period, with earnings verified (work email or location). Up to $150 a day, $1,000 per pay period. |
| Banks that don't work | Chime, Varo, Current, PayPal, Cash App, Netspend or another prepaid card |
| Credit check | None ("no credit check") |
| Not offered in | CT |
| How to cancel | No membership to cancel |
| App ratings | iPhone 4.8 (about 408k ratings), Android 4.7 (about 290k), from search listings |
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