No. Ease or speed could be an underlying factor required or sought by a borrower. Consumers should have the right to choose what is important to them when considering a credit product. When it comes to credit, different factors are important to specific consumers. For example, we have seen that not all consumers want the lowest value product. Whilst interest rates can be a consideration, they are not always the only consideration. Ease or speed relating to an online loan application process, for example, can be a deciding factor for a consumer in obtaining credit. Furthermore, with clear and accurate advertising, consumers have a right to shop around for the product that best suits them, therefore we do not see a discount conditional on accepting credit as requiring a prohibition. As with any loan, the capacity and willingness to repay the loan must be the primary factor in the provision of the product.