You sound like a BNPL marketer. The loan has late fees, the app is branded as a easy POS way to buy things with money you don't have. There is no credit check. You can sign up to a dozen of the services at once. It is credit, it has the same negative effects as credit.
BNPL is as bad for people as 20% apy credit cards are.
BNPL is as bad for people as 20% apy credit cards are.