Credit Check on Loans:

When you click OFFER on a loan, before you actually submit the loan, you will get some more information on the user including the following-

Member since: (Tells you how long they have been a member for)
Points Earned past 2 weeks: (Shows their earning power, if they understand how to earn points off surveys)
Loans Defaulted on: (Obvious)
Total Loans: (Obvious)