The EarnIn Cash Advance is a fintech account from EarnIn Cash Advance. Application typically pulls a credit report from Experian. The annual fee is $0. The ongoing APR is 0% (interest-free advances). Rewards: Cash advances up to $150/day, max $750 per pay period. No mandatory fees or interest. Optional tipping model. Lightning Speed option has a fee.. Funding speed: 1–2 business days. Not a traditional lender — advances on wages already earned. Does NOT report to credit bureaus. Uses employment/direct deposit history. Optional tipping model.