Well I've been using earnin for over a year now and I've had nothing but good luck with them.
there's been some issues with my bank because my bank put in extra security but the earnin team was able to get around it so I was able to keep connecting with my bank.
they have consistently been helpful with any questions I've had their very responsive 24/7.
my only issue is this last pay. I was decreased $50 and I don't know why I've always paid everything seems to be okay
Overall I think it's been great it's relatively an inexpensive loan