Anybody on here use earnin app

shopthatwrecks

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44 bricks...acre shaker
I'm just finding out these exist. Earnin and Dave. I guess it's called earned wage access. A fancy way of saying payday loan.

i know alot of ppl who use these who cant manage their money... work all them hours to nit pick at it .. get a check its jus 200 dollars ..smh
 

winb83

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its evil

ive had coworkers on this shyt too. disgusting how they do the working man
I'm not really sure I'd call them evil. I mean the people are getting high fees but if you don't have access to credit then is any bank going to want to loan you money in the first place? If it wasn't for this then they'd have nothing but personal loans from people they know. Usually those end up in that person never paying the other person back and a destroyed relationship.

I'm sorry but if a $500 surprise expense would be more than you can bare your current lifestyle is unsustainable and will eventually collapse. The one thing you can count on in life is something will go wrong and you'll need money to solve it.
 

boogers

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#catset #jetset
I'm not really sure I'd call them evil. I mean the people are getting high fees but if you don't have access to credit then is any bank going to want to loan you money in the first place? If it wasn't for this then they'd have nothing but personal loans from people they know. Usually those end up in that person never paying the other person back and a destroyed relationship.

I'm sorry but if a $500 surprise expense would be more than you can bare your current lifestyle is unsustainable and will eventually collapse. The one thing you can count on in life is something will go wrong and you'll need money to solve it.
always somebody ready with some mealymouthed excuse to allow this kind of bullshyt ass predatory evil on the working poor

:camby: tell somebody else man i dont wanna hear it
 

winb83

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always somebody ready with some mealymouthed excuse to allow this kind of bullshyt ass predatory evil on the working poor

:camby: tell somebody else man i dont wanna hear it
I mean what's the actual solution then? Should those people have zero access to lending by any institution? I see people decry this stuff as evil but offer no real solution to it other than pie in the sky shyt like pay workers more which we know isn't gonna happen.

You know damn well you wouldn't open a bank lending broke people with bad credit loans at prime interest rates cause it would wipe you out when a good portion of them don't pay back.

I can't speak for you but I've been broke and taken out a payday loan before because I needed that. I paid for it but I was glad it was available when I needed it even if it was expensive.
 
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