Credit: FILE - This Oct. 8, 2019, photo shows the Apple Pay app on an iPhone in New York. Many paycheck advance apps and services let users borrow a small amount of their expected earnings, usually in exchange for a small fee. These advances are offered through your employer as a workplace benefit or directly to you through an app. In both cases, the employee decides when to take a loan and commits to paying it back on their next payday. (AP Photo/Jenny Kane, File)

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