Earnin's app is great if you can afford to pay the tip each week. The max amount they allow changes from what they claim is a advanced formula and can't be overwritten...my max was $1,000 for months and I was paying 5% on top every pay period, as soon as I decided I wanted to start to lower it incrementally each pay period Earnin' was not happy. I tip 5% on each loan, over two weeks that is an excellent APR, almost usury. I had to ask for my max to be lowered to 950, then 900, then 850 then 800 as I would expect from the criteria that is given...so I am spending less in tips each pay period but the incremental change to my budget is only $50, affordable...then they decide my max should be $500...$300 lower in one pay period...how am I supposed to afford that with a tight budget constraint of $50? They say it can't be increased, like some magic AI robot controls everything, what a joke of customer service. The plus side, I will reach my $0 Earnin' app usage quicker since they lowered it so much, very excited to never rely on the app again!