alt Hacker NewsRefinancing a loan I passed on the lowest possible rate I could get, for a slightly higher one, specifically because they used Plaid.
I'm not the most privacy-focused individual, not nearly as paranoid as I could be, but Plaid's model is an OBVIOUS step too far.
Depending on the rate difference, I'd be tempted to setup a 'burner' checking account at a separate financial institution and just auto-transfer the loan amount from my primary bank to the burner every month.