cora lewis is a business reporter for the associated press corps. let's get the basics. how do these things work? cora: so if you're a worker who has an unexpected expense or you're not sure you can make rent that month, you might see an ad for one of these apps on youtube or instagram. and all you have to do is download the app and link it to a bank account and agree to whatever the fees might be. and then on payday, the app will debit the amount you borrowed, along with any fees or tips you've agreed to. john: how are these different from payday loans? cora: so, payday loans typically have very high interesrates like these, loans do themselves. but a payday loan might have a balloon payment down the line. they might suer send a collector after an unpaid debt, which these apps don't do. so there are some key differences. john: the advertising for this is that you are getting many early reach in into your paycheck. is that is that rely what's going on? cora: the waters are a little muddied right now because some employers do offer earned wage access. that's linked direct