Earnin Express Maxes

How high will my max be if I switch to Earnin Express?

  • Your Earnin Express pay period Max has a potential to reach $1000 or up to 80% of the paycheck amount you direct to Earnin - whichever is less
  • To get your highest possible Max, route your full paycheck to Earnin Express.
  • Please note your pay period Max will not exceed $1000.
  • Please note that in order to qualify for an increase to your Max, you will need to route at least $250 per paycheck to your virtual account. Once Earnin detects your paycheck of at least $250, you will be notified of your qualifying Max increase. 

When does my Max increase?

When you’re approved for an Earnin Express virtual account you may be eligible for:

    • A temporary Max Boost. You may receive a temporary Max Boost of $50 if your current pay period max amount is below $1000 or is less than 80% of the paycheck amount you directed to Earnin Express, whichever is less. 
    • An increase in your Pay Period Max. You may receive up to a $200 increase to your max when your first paycheck is direct deposited into your Earnin Express virtual account and if your current max amount is below $1000 or is less than 80% of the paycheck amount you directed to Earnin Express, whichever is less. 
    • Ongoing Pay Period Max Increases. You may receive increases of up to $50 to your Pay Period Max each time a paycheck comes into your Earnin Express virtual account as long as your current max amount is below $1000 or is less than 80% of the paycheck amount you directed to Earnin Express, whichever is less, and you have no outstanding payments due to Earnin.

What determines my Earnin Express Max?

  • Your Earnin Express pay period Max is $1000 or up to 80% of the paycheck amount you direct to Earnin - whichever is less. 
  • To get your highest possible Max, route your full paycheck to Earnin Express.

What will cause my Max to decrease with Earnin Express?

  • Your Max will only decrease when Earnin is unable to restore all your Cash Outs and tips.
  • Your Max will decrease by $100 when there is an unsuccessful debit.

What’s the daily Cash Out amount?

  • Your daily Max will still be $100 on Earnin Express until you reach your pay period Max.

What happens if there is an unsuccessful debit?

  • Your account will be temporarily blocked from cashing out
  • Your pay period Max will decrease by $100 
  • You will not see any increase in your Pay Period Max until Earnin is able to successfully debit 
  • Once Earnin is able to successfully debit your Cash Outs + tips, you’ll start seeing increases to your Max again after 6 weeks.
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