These are not pay day loans. It is unsecured debt the same as a credit card. For a more specific example, this to me is no different than a Department store (e.g., Macy’s, Target, Sears, etc.) asking if you want to sign up for their store card when checking out. This isn’t new, at least in the US. It is just taking place via a new medium (it’s really not, but it’s new for Microsoft at least).