The mobile fold is dominated by a "Break Up With Fairstone's Debt" promo modal that sits directly on top of the red "Apply now" button, leaving only two slivers of the primary CTA visible on either side — the tap the page exists to capture is physically blocked. The modal itself is a working pop-up (it routes to a loan-renewal contest), but on the phone its "Learn more" button and prize copy are cut off below the fold, so it blocks the primary action without even completing its own conversion job. Behind the overlay, the fundamentals are decent: the nav collapses to a clean hamburger-plus-login header, and the "Quick personal loans" headline scales legibly at two lines. The single biggest lever is suppressing or shrinking the promo modal on mobile so the full-width "Apply now" button is tappable in the first viewport.