Sometimes you need money just before payday, and I used to be wary of such services because I'd heard plenty of dubious stories. But then a colleague encountered a similar situation and showed how he used such apps without any problems. I decided to investigate, and in the discussions I came across the website https://earnin.pissedconsumer.com/customer-service.html , where people shared their experiences in detail: what's convenient, where there are difficulties, and how everything works in practice. This helped me understand what to expect and choose an option that actually proved useful in a couple of difficult situations.