Trash. Earning is the better of the 2. When you sign up it asks your pay schedule, it wouldn't work if you got paid bi weekly. So if you need a loan through them it comes out in a week & leaves you screwed if you don't get paid weekly. It only allows you a small percentage every week. If you use Earning long enough & pay them back on time etc. they'll allow $100 loans up to 5 days a week. Dave jus got a payment from me but I can't borrow more still. Earning will tho because actually useful.