In this particular case, we're talking about an online service, so no unscrupulous employees to get ripped off by or physical dangers to navigate. They also cl

In this particular case, we're talking about an online service, so no unscrupulous employees to get ripped off by or physical dangers to navigate. They also claim to be using advanced models for approving borrowers, and putting in place a bunch of methods to ensure higher payback. All of that implies lower risk, so why aren't the rates themselves significantly lower?