Earning is great and a better alternative to payday loans. You payback what you borrow and tip what you think is fair. For example this week I plan to borrow $250.00. On my next payday they will deduct the $250 plus what ever I decided to tip. I usually go with their suggestion. I love the Earning app. Once they verified everything (usually takes 2 days) you can start. I have never had any issues.