隨后，針對及貸聲稱理論上無法排出用戶隱瞞其真實的學(xué)生身份這一觀點，《每日經(jīng)濟(jì)報道》稱，根據(jù)測試學(xué)生提供的錄像顯示，其在注冊時還進(jìn)行了學(xué)信網(wǎng)驗證，并有界面顯示：找不到學(xué)籍信息，可能原因是未畢業(yè)，由此可見及貸的言論并未立足事實。
其次，及貸只是否認(rèn)發(fā)放高*貸，而對于71.56%的利率卻未能給出正面的回答。最后對于搭售高額保險的問題，也并未給具有說服力的回答。
一位資深業(yè)內(nèi)律師對和訊網(wǎng)表示，及貸存在以下三點主要問題：
，及貸不僅幫消費(fèi)者默認(rèn)勾選了保險服務(wù)還未盡明確告知消費(fèi)者并得到消費(fèi)者同意的提醒義務(wù)，直接侵害了消費(fèi)者的選擇權(quán)，違反了《中華人民共和國電子商務(wù)法》第十九條關(guān)于“不得將搭售商品或者服務(wù)做為默認(rèn)同意的選項”的規(guī)定。
第二，根據(jù)《保險法》百三十一條規(guī)定，第三方平臺在銷售產(chǎn)品是需要標(biāo)注具體承保主體和銷售主體，及產(chǎn)品備案號和產(chǎn)品條款鏈接。
最后，便是及貸的高年化利率早已超過國家法定的年利息率，并且存在“砍頭息”的情況。
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