"Repayment scheme" sounds about right. These type of loans are predatory and never a good idea. They kill you with follow up interest rates, which is not ideal for someone in need of an influx of cash.
I'd say it's less than ideal because it can make the space feel more cramped when the door is open. One solution might be to just close the bathroom door when not in use, but that could also cause a problem of not knowing if it is in use.
I can definitely see the benefit there. It's much easier to picture how different decor will look when you can actually see it rather than having to imagine it. I'm sure it helps sales quite a lot too.
If it's pot I've heard of some kind of drink you can get the mix for at a head shop that will give you a pass. It probably depends on how much is in your system, but I know people that have used it successfully.