Total BS! I tried using this app and was approved for five dollars lol. Although I chose not to continue and didn't even get the five dollars "Dave" continued to take a dollar out of my account every WEEK! So although the liars said on TV they don't do a credit check they in fact do! My fiance and I make good money, had the same bank account for 4 years, he's had the same job for 6 years, AND we have direct deposit we were only approved for 5 bucks lol Then got scammed when we didn't accept it!