B9 vs EarnIn: Limits, Fees and Differences
A side-by-side of B9 Advance and EarnIn Cash Out, from each company's own published pages, checked Nov 3, 2026. We don't rank them or recommend one.
EarnIn Cash Out
$200/day
up to $1,000 per pay period
B9 Advance
Up to $1,000
on Premium
Both: eligibility and limits vary by user. Terms change, so confirm in each app.
B9 vs EarnIn Side by Side
| B9 Advance | EarnIn Cash Out | |
|---|---|---|
| Product type | Earned wage access. B9 says it isn't a consumer loan product. | Earned wage access: you access wages you have already earned |
| Amount | $10–$250 on Basic, up to $1,000 on Premium, per pay period | Up to $200 a day and $1,000 per pay period. EarnIn says limits vary by user |
| Fees | No interest. Membership $9.99/month (Basic) or $19.99/month (Premium), plus an optional express fee of $1.99–$49.99 | EarnIn says Cash Out has no mandatory fees, no interest and no credit check. Tips are optional and don't affect service. |
| Speed | Free in up to 5 business days, or instant for an express fee | Standard transfers usually take 1–2 business days. Optional Lightning Speed has a fee starting at $3.99 |
| Credit check | No credit check | None, per EarnIn |
| Eligibility | A B9 Account, a plan and $100+ in payroll deposits in the last 14 days. Not offered in NV, SC, WI, MD, KS, IN | EarnIn asks you to show consistent earnings and verifies your identity and employment. |
Key Differences Between B9 and EarnIn
Limit
EarnIn lists up to $200 a day and $1,000 per pay period. B9 lists up to $1,000 per pay period on Premium and $250 on Basic. Both say actual limits depend on the user.
Cost structure
EarnIn says it has no mandatory fees and relies on optional tips, with an optional paid fast-transfer. B9 charges a monthly membership, with an optional express fee.
Account link
B9 needs your pay deposited to a B9 Account. EarnIn asks you to link your bank and verify your employment.
Standard speed
EarnIn says standard transfers usually take 1–2 business days. B9's standard delivery takes up to 5 business days.
What a $100 and a $250 Advance Can Cost
Calculated from each company's published fees. Membership is monthly and covers more than one advance, so these are not like-for-like totals.
| Amount | Option | Fee for this advance | Monthly membership | Optional faster transfer |
|---|---|---|---|---|
| $100 | B9, standard delivery | $0 | $9.99/month (Basic) | — |
| B9, instant delivery | $6.99–$14.99 express fee | $9.99/month (Basic) | — | |
| EarnIn Cash Out | $0 mandatory fee | None mandatory; tips are optional | Optional Lightning Speed from $3.99 | |
| $250 | B9, standard delivery | $0 | $9.99/month (Basic) | — |
| B9, instant delivery | $9.99–$19.99 express fee | $9.99/month (Basic) | — | |
| EarnIn Cash Out | $0 mandatory fee | None mandatory; tips are optional | Optional Lightning Speed from $3.99 |
B9's membership fee is waived in a month after $5,000+ in deposits the month before. Illustrations only, not a quote.
Looking for a personal loan instead?
Neither B9 nor EarnIn is a personal loan. If you want to request a personal loan from independent lenders instead, you can use the request form on our homepage. It is separate from both, and we can't say whether you will be offered one.
$200–$5,000 requested amount
Start My ApplicationFAQ
B9 Premium goes up to $1,000 per pay period. EarnIn goes up to $200 a day and $1,000 per pay period. Both say limits depend on the user.
EarnIn says Cash Out has no mandatory fees, and tips are optional. B9 charges $9.99 (Basic) or $19.99 (Premium) a month, waived in a month after $5,000+ in deposits the month before.
B9 says it doesn't for B9 Advance. EarnIn says Cash Out has no credit check.
EarnIn's homepage says Lightning Speed starts at $3.99, while some of its other pages mention a lower figure for certain transfers. We use the homepage figure, so check the fee in the app.
We checked B9 and EarnIn's own pages on Nov 3, 2026. Terms change, so confirm in each app.
20 facts checked against B9's published documents · Nov 2–3, 2026. How we check product details
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