I feel as if the app is designed to put you in debt, because the options are very convoluted and the app isn't upfront about what you can take (for example, if i need $20 but have $250 available, I have to take out the entire $250) unless I click ANOTHER hidden tab to adjust it. The loans themselves have been said to been problematic as well, and the customer service is meager and doesn't answer any of the questions I have about the service. Good for a pinch, but be very careful.