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When Rouse first started using EarnIn in 2020, she says the app automatically set the tip to $11 for an advance up to $100. She thought the suggested amount was steep, but recalls that the app displayed a message about tips helping EarnIn help other consumers, so she tipped $8 to $11 per advance.
In a 2023 memo, the California DFPI cited strategies that apps use to make tips “almost as certain as required fees,” including preset tip amounts, user interface elements that make tipping hard to avoid and not advertising that tips are optional.
“There are laws against deceptive practices, but we certainly don’t have effective laws against using psychological manipulations to play on our behavioral instincts,” Saunders says. -
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Here’s a typical borrowing scenario: A user opens the app and requests an advance. Qualification requirements vary, but most apps review transaction history from a connected bank account or a work time sheet the user has provided to determine the advance amount. Once approved, the app displays the repayment date — typically the user’s next payday — and requests a tip before sending the cash.
Cash advance apps say tips allow borrowers to decide what to pay because if they can’t afford to tip, they don’t have to. Sharmaine Rouse, who uses the popular app EarnIn, says she prefers an optional tip to the mandatory fee common with payday loans.
“I think the tipping option is a little better than them forcing you to pay a fee because at the end of the day, it’s still your own choice; you can put zero if you wanted to,” she says.
EarnIn CEO Ram Palaniappan says the tipping feature forces the company to provide a product worthy of a tip. -
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Imagine your bank’s ATM asking for a tip when you withdraw money. You insert your debit card, select $40 and before the machine gives you cash, it requests a small gratuity. Would you pay it?
That’s the proposition of many cash advance apps that promise fast advances on money you’ve earned, charging low or no mandatory fees for up to $200 or more. In return, they ask for a tip if you value the service.
The experience leaves it up to borrowers to assess how much a cash advance is worth — a decision that may be no easier to make on an app than when in a coffee shop.
The apps say the tipping model gives users the flexibility to pay what they can afford for the advance, rather than charging a mandatory fee. But consumer advocates say a tip request isn’t a transparent way to disclose what they view as interest on a loan.
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