Let's take a look at this screen. The app presents a “pre-approved” loan offer with an inviting “Get started” button. But look closely. Above that big button, there’s a checkbox that’s already ticked. What’s it for? It’s your consent for the app to check your credit score.
This is a classic dark pattern in action. By pre-selecting the checkbox, the app quietly pushes users to share sensitive credit information without a clear, conscious decision. Checking your credit score might seem harmless, but each check can impact your score, depending on the type of inquiry. And this app’s approach relies on users not noticing the pre-checked box, so they’ll likely give permission without thinking twice. Important details that could impact your financial situation should be placed up front—not hidden behind small text links.
When it comes to financial data, transparency should be non-negotiable. Pre-selecting this checkbox takes that choice out of users’ hands, leveraging their trust in the app. This is a reminder to always double-check permissions before moving forward, especially when financial info is on the line.
Found by mihirrr
