*Review update* Long time user (years)... changed rating from 5 stars to 2. Very disappointing to see Earnin capitalize on the instant lending service. The deposits used to be instant driven by a tip of your choice. Now, they charge you roughly $4 to have an instant deposit plus a tip. Not sure why the fee was implemented. This went from a hassle free, best option to meh ok. I think this service is an option.