Understanding Predatory Lending An Interactive Educational Experience
Explore the contrast between predatory and ethical lending practices through realistic simulations, complete with dark pattern analysis and Ghost Mode guidance.
Platform Features
Dark Pattern Analysis
Learn to identify psychological manipulation techniques in lending interfaces
Ghost Mode
Toggle ethical guidance overlays to reveal hidden deceptive elements
APR Transparency
Compare true costs with interactive calculators and visualizations
Debt Cycle Simulation
Visualize how payday loans trap borrowers in cycles of debt
Educational Content
Dark Pattern Recognition
Learn to identify deceptive design elements
APR & True Cost
Understand the real cost of payday loans
Debt Cycle Mechanics
How loans become debt traps
Loan Simulation
$500
14 days
📊 Real-Time Cost Analysis
$500
14 days
💀 Predatory Loan Breakdown
Principal Amount:
$500
Finance Charge (15%):
$75
Processing Fee:
$25
Fast Funding Fee:
$30
Total Due:
$645
APR:
634%
⚠️ Hidden Costs Warning:
- Document fee only shown in fine print
- APR calculation excludes some fees
- Rollover fees not disclosed upfront
✅ Ethical Loan Breakdown
Principal Amount:
$500
Interest (28% APR):
$5.48
Application Fee:
$0
Additional Fees:
$0
All Fees Disclosed:
✅ Yes
Total Due:
$505.48
APR:
28%
✅ Transparent Pricing:
- All costs disclosed upfront
- True APR calculation shown
- No hidden or surprise fees
🔄 Debt Cycle Visualization
Side-by-Side Comparison Calculator
💀 Predatory Payday Loan
Loan Amount:
$500
Finance Charge:
$75
Processing Fee:
$25
Fast Funding Fee:
$30
Total Due:
$645
APR:
634%
⚠️ Hidden Costs Warning:
- Document fee only shown in fine print
- APR calculation excludes some fees
- Rollover fees not disclosed upfront
✅ Ethical Payday Loan
Loan Amount:
$500
Interest (28% APR):
$5.48
Application Fee:
$0
Additional Fees:
$0
Total Due:
$505.48
APR:
28%
✅ Transparent Pricing:
- All costs disclosed upfront
- True APR calculation shown
- No hidden or surprise fees