Sounds like the issue is with a loan app not Opera itself. Perhaps to some extent with Opera's inability to limit that apps access to other areas on the computer. I can't really take the logic leap and say that means Opera is engaged in shady practices.
That said; Why anyone would use an app to take a loan is way above and beyond my ability to comprehend. However it seems to me that a loan shark is still a loan shark even if you get the loan online.