LT is a broker of loans, basically a middleman that came up with a slick way to bring prospects TO one place where advertisors can come shoot ducks in a row.
A lot like how Credit Karma lures ppl with 'free' credit reports so that their advertisors get easy access to credit seekers...
Whenever it's 'free' YOU or access to you is the PRODUCT that somebody is PAYING for....as long as you understand the "game" it's all good, just don't think that, that 'efficient' marketplace was set up just ah shucks for you....
Again, not that anything is absolutely evil about the set up but don't think 'everybody' is involved and all players have been researched or accounted for...no just those willing to PAY to be part of the LEAD collection process 😎