A Boring Dystopia

Now you too can easily make a ten dollar coffee cost twenty!

drained my bank account, maxed my credit cards, but credit genie was there to help me take on more short term debt.

If anyone is curious this is the process

1. Be fucked
2. Payday loan
3. Payday
4. 600% are you fucking kidding me?
5. What's the minimum?
6. I'll pay this the rest of my life I guess
7. Be fucked by high interest loan
8. Beg for money from family, friends, co-workers
9. Thank God now I'm back to zero
10. Still exactly as fucked as before

The Old Poor standard method

1. Be Fucked
2. Beg for money from family, friends, co-workers, new GF, new GF's roommate, A dog owner you met at a dog park, Mormon missionaries, your landlord, your landlords ugly kid, your cousin, total strangers after you pretend you have the same name as them and act just JAZZED about it, anyone you suspect is sexually attracted to you, your nanna's bridge group, other poor people, the homeless, people who speak the same language you do and are having a celebration at a public park after you convince them your ''John's Kid'' or ''Tia Marta's thursday church preacher'' literally anyone.
3. Somehow still exactly as fucked as before but now you feel HELLA GUILT, because Tia Marta made you go to church on thursday and the preacher is very convincing. But at least you can't be LEGALLY obligated to pay a loan shark money, and you saved a lot of time.

I'm not sure if she's laughing hysterically or crying.

For anybody wondering what the cost is to using their service, this quote from their website about sums it up:

Credit Genie charges a recurring fee of $4.99 per month or $3.49 biweekly to maintain a user's bank account connection. Paying the bank connection fee does not guarantee approval for a Cash Advance.

So essentially, if you're borrowing from them, you'll pay $60/yr in fees if you can afford $5 a month, or, more likely if you're in the kind of financial situation where you're having to take out $100 micro-loans because your bank balance is consistently hitting zero, you'll get stuck with the $3.49 biweekly option that I'm sure they totally don't heavily push you towards. That's $90/yr.

You get charged the fee whether or not you borrow from them at all, and what do you want to bet they do nothing to notify inactive users of their recurring charges?

Brb, I'm gonna take one of these out and apply to Caleb Hammer

I feel sick, this is revolting

awesome, that will go nicely with my 6-month financing for last week's Papa Joe's pizza

I wish Reddit wouldn't disable comments under ad-posts. Such a shitty website and so happy I left it for Lemmy.

Payday loans making a comeback, eh?

And because they don't appear on your credit check you can take a dozen out from different companies! What could possibly go wrong?

Sponsored Lemmy Comment: Hungry for a can of beans? Sign up now and get $100 of debt in minutes!

I'm immediately wary of anything involving credit that I didn't seriously consider or plan for. I can't imagine going into debt because I'd rather drink coffee at Starbucks than at home.

I thought I was being advertised to on Lemmy despite my various ad blockers and was furious for about 10 seconds lmao

This will be the new normal if we don't stop Capitalism now.

A world where you own nothing, and are expected to survive based solely on a debt that you are expected to pay back but it's an open secret that you never will.

Is that woman crying?