Please fill out all required form. This is not a source of quick money, per se, but the right app can go a long way to making sure that you’re not desperate enough to consider a payday loan the next time an emergency finds its way to your doorstep. Acorns is the original roundup app — it rounds up every purchase you make to the next navy federal ppp in the Philippine Islands dollar and invests the difference. Chime has cool auto-save features and lets you get cash from your paycheck early. A good app and a little bit of discipline now could give you the financial cushion you need to never have to worry about payday loans again. Choosing a low monthly payment and a long repayment term often comes with the highest interest rates. It might not seem like it because your monthly payments are so much smaller, but you actually end up paying more for the loan over its lifetime.