How long does it take to get my money?

Earnin lets you cash out your paycheck instantly. If you have Lightning Speed, the money will post to your account within minutes*, even on weekends and holidays.  

Without Lightning Speed, your money will arrive in your bank account within 1-3 business days depending on the time and day that your cash out was made. Review the list below to understand when you'll receive your money based on your Cash Out time.

Weekday

Cash Out time: Before 9:30 am PT - Receive money: Same day, evening

  • 7:30 am Hawaii Standard Time
  • 8:30 am Alaska Standard Time
  • 10:30 am Mountain Time
  • 11:30 am Central Time
  • 12:30 pm Eastern Time

Cash Out time: 9:30am - 5:15pm PT - Receive money: Next business day, morning

  • 7:30am - 6:00pm Hawaii Standard Time
  • 8:30am - 7:00pm Alaska Standard Time
  • 10:30am - 9:00pm Mountain Time
  • 11:30am - 10:00pm Central Time
  • 12:30pm - 11:00pm Eastern Time

Cash Out time: After 5:15pm PT - Receive money: Next business day, evening

  • 6:00pm Hawaii Standard Time
  • 7:00pm Alaska Standard Time
  • 9:00pm Mountain Time
  • 10:00pm Central Time
  • 11:00pm Eastern Time

Weekend/Bank Holiday

  • Cash Out time: Any time
    • Receive money: Next business day, evening

 

* Fees may apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Some transactions may take up to 30 minutes depending on the card and network status. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

 

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