Charges $1 every month just to have the ability to borrow money. I was not made aware of the fee for having a linked account and without the linked account the app is useless to me. I was under the impression that you paid a single fee when you borrowed and not a reoccurring fee. No cool. Also was forced to donate $10 when I borrowed as there was no button to decline the donation. Just asked where I wanted to donate to out of a few options. Again not cool.