Consumers love these small relief loans because they're fast and simple and so much more affordable than the more expensive flavors of credit normally available for them. Today, about 60% of applicants can come to us for a small dollar loan and initially qualify to actually get the loan, which is a super strong conversion rate at this stage.
（中略）
The beauty of this relief loan is that it's primarily offered to those who don't today qualify for our personal loan. So, instead of declining them entirely, we give them the opportunity to perform on a small loan and start them on a better financial path. And of course, our risk models are learning rapidly by extending credit to someone who would otherwise be turned away. These small loans are rapidly expanding the frontier of understanding of our models and represent a long-term opportunity to serve Americans with fairly priced credit.
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Consumers love these small relief loans because they're fast and simple and so much more affordable than the more expensive flavors of credit normally available for them. Today, about 60% of applicants can come to us for a small dollar loan and initially qualify to actually get the loan, which is a super strong conversion rate at this stage.
（中略）
The beauty of this relief loan is that it's primarily offered to those who don't today qualify for our personal loan. So, instead of declining them entirely, we give them the opportunity to perform on a small loan and start them on a better financial path. And of course, our risk models are learning rapidly by extending credit to someone who would otherwise be turned away. These small loans are rapidly expanding the frontier of understanding of our models and represent a long-term opportunity to serve Americans with fairly priced credit.
↑これです。これ危険な香りしかしないんだけど。
「普通ならローン借りれないような人にまあ少額ローンならまあええやろって事で金貸してる」って事でしょ。