They don't need your username / password, I'd be skeptical this is actually them, also that's a pretty crazy advertising / marketing method, that wasn't in place as of the two or so years ago I worked there but maybe they changed. For the record, if anyone asks you for user/pw of your bank account, regardless of who the lender is, you say no.
I used to work for them and their sister companies when they were deep subprime only, guess they've tried to move on to a higher tier of borrower looking at those loan terms. As for the fee, this company's loans used well are paid off right quickly as a short term loan, and their first payment default rate used to be obscenely high so between those two factors doesn't surprise me it's part of their revenue structure still.
That said I still get mailers from them as I once borrowed from the original company back when I was first starting to tack on an installment loan, if I knew then what I did now, I would've used a different option.
