The direct-to-consumer #EWA offers loans without verifying that the borrower has money coming in. Companies like #Earnin claim that their faux EWA services are free, but in practice, everyone who uses the service pays for the "Lightning Speed" upsell.

Of course they do. Earnin charges sky-high interest rates and twists borrowers' arms into *leaving a "tip"* for the service (yes, they expect you to tip your loan-shark!).

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