Yeah its hinted at strongy with maya having no entry in her credit score and being so entirely clueless (its understandable that she did trust her dad back than but why didnt she researched anything since than about her credits or anything???).Honestly it wouldn't surprise me at all if that is where this is going I kind of think that's what going to happen
The finnaman bank seems to be somehow connected to his car dealership, maybe its fake or strongly connected to him but everything seems to indicate that patrick is just paying for maya's and dereks tutition and just faked the loan part to have some leverage