While it's annoying, your comparison to payday loans is a little off-base.

Payday loans are predatory and usually geared toward people who need the money desperately and are willing to pay 400% APR in interest (or just don't understand the concept of 400% interest in the first place) for it.

The personal loans in the pop-up are for reasonable (relatively, anyway) terms and offered to you because you have beem deemed a very low credit risk since they are willing to offer you a large chunk of money for absolutely no collateral.