I hate borrowing money from ppl so I thought this would be a great app to use.. WRONG!! I had never had issues with my account being compromised until I used this app.. Thank God for fraud alert.. They TRIED to debit $91 and $80 out of my account and when they couldn’t settled for $17.23 worth of Waffle House.. Nof even sure how they did it but it happened.. I’m removing my bank and debit card info bcuz they lighting speed feature is a LIE.. You still have to wait.. It’s too many flaws with this app.. I will never use it again nor will I suggest it to anyone else..