It's true they will advance you money if you qualify but what they don't tell you is that you have to sign up for a plus membership and process your payment for the first month before you're even considered and the refund for the fee takes 3 days. You also can't select which account the money goes into. I'm very disappointed. If things change I'll change my review but right now I'm a little bothered that I spent so long registering to (and paying 6 bux) to be told that I can only get 20.