Used to be a great app. Used to be based off tipping system when you borrowed. With new update you HAVE to pay a $4 fee every time you borrow for instant deposit. Why would you charge for that and slap the label of premium service. You're lending money to people living paycheck to paycheck and are fully aware they won't want to wait up to 3 business days. What a joke. If you were smart, you'd charge a $6.99 monthly subscription for the instant service instead of pissing off long time users.