Based on the user reviews, here are three cons and three pros, 15 words limited for each item: **Cons:** 1. User interfaces too complex, difficulties navigating the app's multiple features. 2. Some users experienced long wait times for loan approval and funding. 3. High-interest rates and fees can add up quickly, leading to financial difficulties. **Pros:** 1. Loan applications are quick and easy to fill out, with instant approval possible. 2. Users appreciate the app's user-friendly design and simple loan process. 3. Competitive interest rates and flexible repayment terms make loans accessible. Note: These points are based on the reviews available on the App Store at the time of my knowledge cutoff, and may not reflect the entire range of user opinions or the app's current state.