I went through the process out of curiosity, and I got to a page asking me to enter my bank account information. Huge, huge red flag for someone who doesn't know you from a hole in the wall. Why would I give you my bank account information at this point? Am I already approved? Is this a loan? What happens? When is my first payment?

All of these went through my head before I tried to find a way to cancel my account (couldn't).

I like this idea, but there is simply not enough information about what you're going to do with my financial life. How exactly are you going to help me?