All this app has done is put me deeper in debt. The credit builder plus is a joke. Takes your payment every paycheck and you still don't get the loan until you pay it off. I needed the loan now not when I pay off loan. It's not helping me at all. The instacash charges way too much. With chime i only pay back what they spot me and no other fees. I'm having to live off borrowed money with interest. Not worth it.