If you’re looking for a loan, chances are you don’t know where to turn. The online market is saturated with offers, interest rates, APRs and financial jargon designed to target you, but how do you know the providers who are genuinely trying to help you from those who want to …

Jonathan Raines needed the money. An app promised to help. He searched online for an alternative to traditional payday lenders and came across Earnin, who offered him $ 100 on the spot, to be deducted from his bank account on payday. “There are no payments and no really high interest,” …