DO NOT USE EARNIN! The registration process was fast and easy, and in no time, I was able to borrow. After about a month or so, I received a notification from my banking institution (Navy Federal), and apparently some CROOK signed into my online account and applied for five personal loans. NF flagged my account and changed my account number. I also learned that NF is not affiliated with Earnin! EARNIN IS A SCAM and their employees are robbers! Stay broke until payday!