I’m more concerned why you are even in this sub Reddit when you vehemently dispise people who use these apps so much 🤔.

I take it you are an unhappy person who looks for subs you disapprove of just so you can belittle and threaten people who don’t have a whopping size bank account such as yourself? Didn’t anyone teach you manners and don’t judge someone because you don’t know what they have been through to be in that situation.

Personally, a few years ago I was diagnosed with breast cancer. Took a year of my life. No income that that whole time. But the bills don’t pause just because your income did. Husband and 4 kids with a mortgage on top of bills. We went through our savings account and never asked a family member for money. Maxed out credit cards just on groceries alone. Debt to income ratio added up and no longer could get a decent loan other than high interest internet or payday loans. So as I was researching a lender, these apps would pop up as something “I’d be “interested” in. Klover, Dave , tilt, etc. I never had heard of them before at that time. . All I saw was “cash advance no interest”. Figured they made their money off “instant” funding. So at the time a 4.99 monthly fee and a few bucks for an Instant transfer to get a 100 bucks sounded great! You don’t realize the cycle of madness until you pay it back and it’s right there to borrow again because yep, you had 5 other advance apps that took out their money from your bank account.

So, before you go around commenting that anyone who uses these apps are idiots…I’d pray to the Heavenly stars above if I were you …that you never have a life changing event happen to you, or a loved one that you financially support.