隨后，針對及貸聲稱理論上無法排出用戶隱瞞其真實的學生身份這一觀點，《每日經濟報道》稱，根據測試學生提供的錄像顯示，其在注冊時還進行了學信網驗證，并有界面顯示：找不到學籍信息，可能原因是未畢業，由此可見及貸的言論并未立足事實。
其次，及貸只是否認發放高*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。
一位資深業內律師對和訊網表示，及貸存在以下三點主要問題：
，及貸不僅幫消費者默認勾選了保險服務還未盡明確告知消費者并得到消費者同意的提醒義務，直接侵害了消費者的選擇權，違反了《中華人民共和國電子商務法》第十九條關于“不得將搭售商品或者服務做為默認同意的選項”的規定。
第二，根據《保險法》百三十一條規定，第三方平臺在銷售產品是需要標注具體承保主體和銷售主體，及產品備案號和產品條款鏈接。
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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