It is 2026. A grocery bill lands before payday, and you reach for a lending app or the payday storefront you already know. A KOHO cash advance belongs to a wider shift in short-term borrowing: the application now runs on your phone, not across a counter.
Recent ad campaigns from several different brands are trying to be a little bit of both. Denny’s and Skittles borrowed the feel of sitcoms, JCPenney riffed on a docu-drama/reality show, and Johnston & Murphy parodied SportsCenter.
