When Sharmy Walker's family cat became gravely ill, the last thing on her mind was how much it would cost to get treatment.
The shock of a $2,500 vet bill prompted Ms Walker to start using an app that promised fast money — and sent her into a debt spiral she's still trying to climb out of, three years later.
Ms Walker was browsing social media when an advertisement for a new type of product, known as pay- or wage-advance app, popped up.
