NAB provide the funding to Speckle - in the same way that Westpac provides CCP the funding for Wallet Wizard Wizard. NAB claims that this is part of the charitable/social program.
The NAB loan that I referred to that I took out was direct to me by NAB before I left uni, secured only by my part time work/savings record (no loan/credit history) and a letter from my future employer that I'd accepted a position with them and would be commencing work when I returned (APR% ~10%). I referred to this as your original post, as by your definition you would have referred to this as a "Payday Loan" - when it was an "unsecured personal loan".
WW provides a line of credit. There are plenty of others that have given detailed responses on what a Payday loan is - so suggest you do some more reading on the CCP strings or the APRA website and find out yourself. If you're too lazy to do that, in effect a "Payday Loan" is one that makes most of it return by charging fees ... but still charges up to 48% interest as well. Hence Nimble et al - Payday; Wallet Wizard - unsecured line of credit.
CCP Price at posting:
$18.60 Sentiment: Hold Disclosure: Held
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