I think my review of the product was pretty straight forward down the path of only do this if you HAVE TO. I do not think this is a long term solution, for people to utilize. However, if you need $1000 right NOW it may be a better option than putting it on a Credit Card since the interest is quite reasonable.
I think @K9KarmaCasa made a very good point that goes down the road as its hard to see someone else's perspective until you have stepped into their shoes. There are many people living pay check to pay check, and the need for short term loans exists and is very profitable int he US. This company is capitalizing on that, and doing it in a way that is collateral based so the loanee is not paying through the roof. Since i took the loan as an experiment, I do not know what happens if you don't pay it back, and maybe Payfully starts to fall into the 'predatory' lending camp at that point. However, if you take the loan with the clear intention of paying it back via your ABB payout, it is a far better (and possibly the only) option for some people.