Renee P.
Middle of the road review
I found the app very easy to use, and the loan process was quick. It also did a good job recognizing my paydays. However, there were ongoing issues with the repayment dates. The app would schedule my repayment for 12:00 a.m. on payday, even though most people don’t receive their paychecks at midnight. In my case, I don’t get paid until the evening. I contacted customer service several times to request that my repayment date be moved to the day after payday. They made the change once, but when the issue happened again, they told me they couldn’t make the adjustment a second time. I continued reaching out for help, but the issue was never resolved. On one occasion, I paid my loan back five days early, on the 21st. A couple of days later, I borrowed again, and the app set my repayment date back to the 21st. Despite multiple messages explaining my situation and asking for the repayment date to be adjusted, nothing was done. Another concern is that if you don’t borrow again right away, your available loan amount decreases. On top of that, there are fees associated with each loan, even though you’re already paying a $9.99 monthly subscription fee. I understand that the company needs to make money, but the combination of the monthly subscription and additional loan fees seems excessive. Ultimately, I canceled my subscription because of the ongoing repayment date issues and the cost. The app itself is convenient and easy to use, but the lack of flexibility and the inability to resolve a simple scheduling issue made it difficult for me to continue using the service.