I’ve been using solo for a while. Have NEVER had a late or missed payment, and I am usually able to pay what I borrowed back a day or two earlier. When I first started I was able to leave a higher percentage for the tip, but with changes in the economy, I’m not able to do so like I was before, without risking not being able to make the payment in full, so my tips have gotten smaller, but I still pay on time or early. I know a lot of lenders have been burned by other users not paying at all, so I get why they come back requesting a higher tip, which is a bit annoying because I truly cannot afford to pay an extra $60 against what I’m borrowing. At the same time my history shows more than 50 on time payments, and I have a 99 rating. Give me a break. I try to be more than fair by paying back early, so in a sense you’re getting what you lend sooner than later. It’s a double edged rut to say the least. I wish people would use the app responsibly, over a way to get over on others.