Why does Earnin have Maxes?

At Earnin, we care about the financial well-being of all our community members. When using Cash Out, everyone starts with a pay period Max of $100. Over time, based on a number of factors, a person's Max can adjust to range from $50 to $500.

Your individual Max is tied to your overall financial health, which includes details like how often a positive bank balance is maintained and whether you spend less money than you make. Each pay period, your Cash Out Max is reevaluated, so you can see your good financial habits impact your Max over time.

The amount you tip (or don't tip) doesn't directly affect your individual Cash Out Max. Instead, we look at your personal financial health and our community's tipping. If a community as a whole is tipping, we're able to offer higher Maxes to all. It's your money, you should have access to it when you need it.

If you're interested in getting a higher Max, please check out our FAQ for tips on how to increase your Max limit.

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