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 1-2 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.


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 - 8:00pm 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 8:00 pm 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



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