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)

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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. 😂