CLEARBORROW · PUBLISHED NOVEMBER 12, 2026
EarnIn vs Brigit: fees, plans and limits
EarnIn Cash Out lets you access earned pay, up to $200 a day and $1,000 a pay period, with no mandatory fees but optional tips and a paid Lightning Speed. Brigit sells Plus ($8.99 a month) and Premium ($15.99) plans and also describes a way to request an advance without a subscription. If you do not need speed, EarnIn’s standard route usually costs the least.
Independent comparison. Neither app is a ClearBorrow partner and we earn nothing from either. Facts come from the developers’ official pages; we did not open accounts or take advances.
Side by side
| EarnIn | Brigit | |
|---|---|---|
| What it is | Access to earnings already worked (EarnIn ↗) | Advance with membership plans (Brigit ↗) |
| Limits | Up to $200/day, $1,000 per pay period | Set in the app |
| Recurring cost | None required; optional tips | Plus $8.99/month or Premium $15.99/month; a no-subscription request route is described |
| Speed | Standard 1–3 business days; paid Lightning Speed | Express treatment differs by plan |
Monthly cost compared
Our arithmetic for one $100 advance a month:
| Choice | Monthly cost |
|---|---|
| EarnIn, standard, no tip | $0 |
| EarnIn, with a $4 speed fee (example) | $4 |
| Brigit Plus | $8.99 |
| Brigit Premium | $15.99 |
| Brigit no-subscription request | Check the route and any fee in the app |
The $4 is an illustration, not EarnIn’s price. Premium costs $7 more per month than Plus (Brigit ↗).
Who qualifies
EarnIn needs a verified source of earnings and a linked checking account (EarnIn ↗). Brigit publishes its own eligibility requirements for the linked account and deposits (Brigit ↗). Details are in our EarnIn and Brigit reviews.
Which to pick
- Steady job with pay data: EarnIn can cost nothing.
- You want budgeting or credit features: Brigit’s paid plans bundle them; count the monthly fee against what you use.
- Only an occasional advance: avoid paying a monthly plan for it; check Brigit’s no-subscription route or EarnIn standard.
Questions
Is Brigit cheaper than EarnIn?
Not for a single advance if you use EarnIn’s standard route without tips; Brigit’s plans cost $8.99 or $15.99 a month.
Do EarnIn or Brigit check credit?
Neither prices the advance on a credit score in the pages we reviewed; both look at your account and income.
Sources and limits
- EarnIn: Cash Out product page (checked October 24, 2026) ↗
- EarnIn help: transfer options and timing ↗
- Brigit help: how much does Brigit cost (checked October 24, 2026) ↗
- Brigit help: eligibility requirements ↗
Developer information checked October 24, 2026. Terms change often and the amount you are offered is set in the app. Examples are our own arithmetic, not offers. How we use sources.