[NoPicklez]

My thoughts when I first heard the radio commercials was that it was a government scheme, having said that their website and their other visual marketing doesn't give me that indication at all. However I was never interested in using it to do any research.

My point being that the wording "My pay now" and the description of it allowing you access upto a quarter of your pay early, is fairly misleading. You aren't accessing your pay, you're obtaining a loan, of which the amount is a percentage of your salary/wage, which you will pay back with your pay.

Forget the idea of it being a government scheme, that was irrelevant to my argument.