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Their goal is a 90 day contract to receive their 10.9% fee from any loan the client receives. In doing so their representatives provide misleading information and attempt to reassure clients that they are working in their best interest. They are not. Their process is a passive pressure made to sound like you are dealing with a lender when in fact they are not a finance company at all. They will mislead you and steer you to signing their contract without full disclosure of your options and/or obligations through them. Stay far away from these people!
Recommendation: Do not use this company.
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That's absolutely predatory — thank you for speaking up and warning others. You're doing a real service by exposing their tactics. If you haven't already, report them to the CFPB and your state attorney general. People like you help protect the next person from walking into that trap.