Loan Decoder breaks down personal, auto, or mortgage loan offers into their true total costs and exposes hidden traps like prepayment penalties, junk fees, and variable-rate resets. It computes total-cost-of-loan numbers, reconciles APR versus advertised rates, ranks red flags by financial severity, and outlines negotiation leverage. Use this skill when reviewing loan paperwork, term sheets, or contracts to determine what an offer actually costs and where the financial risks lie.
Key Features
Total cost of loan and interest calculation
APR versus advertised rate reconciliation
Ranked red flag severity scale
Early-exit and variable-rate reset math
Privacy & Security
Data Collection
This tool follows industry-standard security practices and only collects data necessary for functionality.