I've had zero issues. It does what it says. You can only cash out up to 100$ a day and you tip what you think is fair. I have lightning speed so when I need it, it's put in my account immediately. As the sign up dictates, what you borrow it takes on the day you get paid... it's a payday loan without the crazy interest, just a tip if you choose to do one. I imagine most who use this consistently may not be good with budgeting anyway so maybe that is where all the poor reviews come from. Get prism if you need budget help. Active hours... thank you! Always reccomend!