Current have a Barclays aviator and noticed the app offering 28k miles for a personal loan up to $28k.

reading through some terms I can see no early payment penalty so in theory can pay it back immediately and likely incur one months interest. Around 8% so works out to be $186 or 0.67 cents per mile. (Edited)

what is not clear is does this count as loyalty points? Anyone have experience with it?

what about how long it takes to post? Chances of being done and collecting points before year end next month?