Guide by Warren Woodhouse
The day and night cycle work differently in Saints Row The Third than it did in its predecessors in the series. The Sun in Saints Row The Third seems to remain in the exact same place in the sky during daytime cycles and the Moon remains in the same place as well during nighttime cycles.
During Act 1, the in-game time only changes when Missions and Activities are completed. During the rest of the game, the cycles shift from daytime to nighttime by completing Missions, Activities and Dying. The cash flow from the CASH app transfers money via Steelport Bank & Trust every 15 minutes real time while gameplay and free roam is active.
A full day in Steelport lasts 8 hours real time. That means that there is 15 minutes per hour with a slight variation during the nighttime cycle which only lasts every 5 minutes for cash transfer.