The Earnin App

wallyj84

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I always see a bunch of commercials for this app. I thought it was just a normal pay day loan thing, but apparently they don't charge any fees and just have a voluntary tip system. That of course means they make their money by selling your information. Which in some ways seems worse than a normal payday loan.

Has anyone ever used this app? What are your thoughts on it?

Personally, I feel like micro loans, and credit in general, are way too easy to get and are encouraging bad spending habits.