随后，针对及贷声称理论上无法排出用户隐瞒其真实的学生身份这一观点，《每日经济报道》称，根据测试学生提供的录像显示，其在注册时还进行了学信网验证，并有界面显示：找不到学籍信息，可能原因是未毕业，由此可见及贷的言论并未立足事实。

其次，及贷只是否认发放高*贷，而对于71.56%的利率却未能给出正面的回答。最后对于搭售高额保险的问题，也并未给具有说服力的回答。

一位资深业内律师对和讯网表示，及贷存在以下三点主要问题：

，及贷不仅帮消费者默认勾选了保险服务还未尽明确告知消费者并得到消费者同意的提醒义务，直接侵害了消费者的选择权，违反了《中华人民共和国电子商务法》第十九条关于“不得将搭售商品或者服务做为默认同意的选项”的规定。

第二，根据《保险法》百三十一条规定，第三方平台在销售产品是需要标注具体承保主体和销售主体，及产品备案号和产品条款链接。

最后，便是及贷的高年化利率早已超过国家法定的年利息率，并且存在“砍头息”的情况。

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