It's a contract.
They give you some money now, and, instead of an interest rate and a term for repayment, they get a percentage of your future income for some period of time.
Particularly shitty ones continue even if you repay the original loan amount.
The worst and best thing you can do when using vim is learn the movement keys (
h
,j
,k
, andl
) because they're so powerful and work no where else.