This is a scam. They tell you that you can get a payday advance. But before they tell you how much you have to agree to pay 6$ per month for their premium service. So you pay the 6$ and THEN they tell you that you can get 20$ if you pay them an additional 3.99$. 20$??? That's why they don't tell you beforehand. I've dealt with these payday loan apps and never ever have I seen an offer of 20$... And a fee that turns out to be 10$ just to get it??? These folks are scam artists. Period