I would still better take a loan from a bank or other credit organization than trusting a website. It’s a nice idea, but I cannot imagine it working. This all looks like a scam to me.
I know that bank loans are also a scam, and I have been scammed so many times, but still. At least you know how much more you will have to pay them. The same is with nonbank financial organizations. They might offer better conditions and give you loans even when the banks refuse to, but you will still need to pay that money back. You can read more on https://www.greedyrates.ca/blog/how-to-get-a-personal-loan-with-bad-credit/ and see how that works. I am not fond of loans, but they are at least sincere.