Complete guide
Answers, tradeoffs and next steps
Use the sections below to evaluate fit, not to predict approval.
Fair credit should trigger optimization, not a generic lender list
Current Bankrate and LendingTree fair-credit pages already present detailed lender tables with APRs, minimum scores, amounts and monthly payments. Payday Hex must go further by normalizing the offer after fees and showing which term actually minimizes total cost for the user’s payment ceiling. BKR_FAIR LT_FAIR
A no-fee offer can beat a lower headline rate after proceeds are normalized
The comparison card does not rank by starting APR alone. It calculates deducted origination fees, net cash received, payment and total of payments from the actual offer fields.
Use soft-check comparison before narrowing the set where available
Experian’s current fair-credit marketplace emphasizes checking options without affecting credit scores, but eligibility and actual terms still depend on the eventual application. Payday Hex preserves that distinction. EXP_FAIR
The best term is the shortest affordable term, not the lowest payment
A longer term can make the payment easier while increasing time in debt and total interest. The term slider therefore highlights the shortest option that stays within the user’s selected monthly ceiling.