A look at Earnin, an app to access money before payday with a suggested ~10% tip; critics say Earnin effectively acts as a payday lender but avoids regulations (Cyrus Farivar/NBC News)

Cyrus Farivar / NBC News:
A look at Earnin, an app to access money before payday with a suggested ~10% tip; critics say Earnin effectively acts as a payday lender but avoids regulations  —  “I definitely didn't think about the payback time and the interest,” an Earnin user said.  “They just portray it as being so simple and so easy.”

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