Haha, same with a lot of paycheck advance apps actually say "You have no legal obligation to replay"
Discussion
I could use some free money.... inform me. Lol
The app Current for example, will give you up to $750 in advances based on your direct deposit, you can take the $750 and sent it to a bank or spend it or whatever, says in their terms "You have no legal obligation to repay and this isn't a loan"
Lol 
💀
I did repay mine the one time I used it though 😂
For what? It's right in the ToS.
"You have no obligation to repay a paycheck advance"
That one sentence really makes it free money.
(Yeally your giving up some financial data)
To keep using the app, but I don't use it anymore anyway, cause now I get physical checks for payment instead witch don't qualify.
But if you are someone who is paid by a direct deposit account that you can change, you can just keep going to different apps each couple months and get some free money. 😂