The companies

No clear pre-commit cost display; disbursement can occur with no confirmation step.

Cost appears only after disbursement, in the generated agreement.

Only a fee or partial cost shown before commit; the total is not obvious.

Total repayable shown before commit, but you must tap or scroll to find it.

Total repayable AND due date shown clearly on a confirmation step before any commit action.

Actively misleading — e.g. 'below 1%' while the effective cost runs into the hundreds of percent.

Only 'interest' is advertised; the dominant fee is buried in the terms.

Headline emphasises 0% / low interest; the real cost sits in a separate 'fee' line you must compute yourself.

Total cost disclosed, but framed around a low 'interest' figure.

Effective cost (APR-equivalent or total cost of credit) disclosed prominently; no misleading headline.

Documented disbursement with no confirmation step, or before the application was completed.

In some flows, disbursement can occur without a clear confirm step.

Confirmation is ambiguous and easy to trigger unintentionally.

Confirm step present, but the terms summary is thin.

Explicit confirm step with a terms summary, and the OTP/e-signature is clearly tied to that step.

Broad harvesting (contacts/SMS/photos/location) combined with rights to contact or shame phone contacts.

Reserves the right to contact the borrower's phone contacts; requests contacts/SMS access.

Reserves the right to contact references or the borrower's employer; moderate permissions.

Minor over-collection; no contacting of third parties.

Only data strictly needed for lending; no contacts/SMS/photo access; no right to contact third parties.

Documented threats, impersonation, or public shaming (label alleged unless documented).

Reserves the right to contact your contacts/employer and to assign your data to third parties.

Reserves broad contact rights plus assignment of the debt/data.

Standard recovery; references a collection agency only.

Fair-collection commitments; no third-party contact; a clear complaint route is provided.

Explicit CRIB threat used as leverage despite likely having no lawful ability to list anyone.

Implies CRIB listing without establishing any lawful ability to do so.

Vague references to 'credit bureaus'.

Accurate, appropriately qualified statement.

No CRIB claims, or an accurate statement of (non-)membership.

Implies or claims to be a registered finance company when it is not.

Minimal disclosure; implies it is regulated without being so.

Entity disclosed, but licensing status is unclear.

States the legal entity and registration clearly.

Clearly states its licensed status and category, and it is verifiable against the regulator's list.