據悉，《每日經濟報道》通過測試學生進行借款：該學生原申請的借款是1000元，但借款后發現變成了1093元，需要多還93元本金，多出的93元為投保易安保險的意外險產品，由此可見學生不僅可以在及貸平臺借款，還會稀里糊涂的被投天價保險。
同時，及貸不僅通過這種隱蔽的方式搭售易安保險產品，其保費也遠超同類產品，經測試學生親手操作之后，發現了一個有趣的現象——及貸和用戶做了一場考驗觀察力的小游戲。
借款人在借款的時候，需要將頁面最下方的“借款人保障計劃”點開，才能取消投保，借款人保障計劃中并未直接顯示是購買保險，因此難以被發現。
測試學生實際獲得的貸款為1000元，分6期償還，每期需還款203.13元，總計要還款1218.78元。調用IRR公式計算，年化利率竟高達71.56%，已然高出了法定利率。
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