If you’re one of the 56% of Americans who lives paycheck to paycheck, you might sometimes need to source some extra cash to tide you over until payday. Increasingly, people are turning to cash advance apps to cover their bills—typically you can get a few hundred bucks for a small fee, without worrying about an interest charge (unlike predatory payday loan shops). While useful in a pinch, these apps come with hidden costs that can also perpetuate a cycle of debt, and are therefore best used sparingly.