It's an intelligently woven scam, that is above board, and tricks people into a subscription, whilst they are applying for a loan, which turns out is not a direct lender,
If you do not stop and take notice, they charge 19.99 a month. My bank said there is nothing they can do, because I entered my details. But I was under the impression that mybdetails were required for the loan not for this intricate element sneakily inserted into the application process.