After watching this ad, I feel kind of guilty for ragging on Klarna and AfterPay. I mean, those are terrible "services" that just encourage people to overspend and pretend that they have more money than they actually have. But Apps like Earnin aren't terrible. They are downright scary.
I mean, come on. If you find yourself getting excited about the opportunity to "get paid" (take out a payday loan, get a cash advance, however you want to call it) every day, your economic situation is so precarious that I really hope that's a comfy, roomy car you have because it's probably where you're going to be living in the near future. Does Walmart still allow overnight parking?
I'm not trying to be mean here, but Oh My Dog are in trouble if you are in constant need of your paycheck days before it's due to hit your bank account. I don't know if Earnin is better or worse than using a credit card as a bridge to that next payday, and I wonder if it- like Klarna and AfterPay- has as its target audience people who don't HAVE credit cards. I don't even know how to find out. I just know that this is really sad. Unless of course the reason why you find yourself running short of funds is because you're addicted to Uber Eats and Starbucks in which case you can go to the devil in your own way and I have no pity on you.
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