Loan Agreement Analyzer — AI Review for Loan Contracts & Promissory Notes
Loan agreements are dense and confusing by design. Our AI explains interest calculations, flags prepayment penalties, and identifies aggressive default triggers — in plain English.
Upload Your Loan Agreement — Start Free Review3 free credits — no sign-up required. Results in under 30 seconds.
Works with:
How It Works
Upload Your Loan Document
Drag and drop your loan agreement or promissory note (PDF, DOCX, or text).
AI Analysis in 30 Seconds
Our AI scans every clause — interest, fees, default triggers, prepayment, collateral, and guarantor provisions.
Get Your Plain-English Report
Understand what you're signing without a finance degree. The report highlights the most important terms in plain language.
Key Features
Interest & APR Verification
Understand the true cost of the loan. The AI flags variable rate triggers, compound interest clauses, and whether the APR matches the advertised rate.
Default & Acceleration
Identify every event that can trigger a default — and whether the lender can accelerate the full balance or has to give you a cure period.
Prepayment Penalties
Check whether you'll be penalized for paying off the loan early — and how much it will cost. Some penalties can be thousands of dollars.
Frequently Asked Questions
No. Our AI helps you understand loan terms and flags unusual or aggressive clauses, but it does not provide financial advice. For large loans, complex financing arrangements, or if you're unsure about terms, consult a financial advisor or attorney.
Yes, the AI can review mortgage notes and deeds of trust. However, mortgage documents involve many standardized forms and local recording requirements. Use our tool for a first-pass understanding, then review with your real estate agent or attorney.
Business loans (SBA loans, lines of credit, equipment financing, factoring agreements) are supported. The AI checks for personal guarantee provisions, collateral requirements, financial covenants, and reporting obligations that many business owners overlook.
Related Tools
Rental Agreement Analyzer
Before you sign that lease, let AI check it for hidden fees, unfair maintenance ...
Service AgreementService Agreement Reviewer
Whether you're a freelancer, consultant, or agency — our AI reviews your service...
Partnership AgreementPartnership Agreement Review
A bad partnership agreement can destroy a business. Our AI flags profit-sharing ...
Related Articles
What to Check Before Signing a Contract: 10 Things You Can't Afford to Miss
Before signing, validate every dollar figure in the contract. Is the price what you agreed to verbally? Are there additional fees for expenses, materials, or...
10 Common Contract Mistakes to Avoid When Signing Agreements
The most common mistake is the simplest: not reading the whole agreement. People often skim the main terms and skip the boilerplate at the end. But the...
What Is an Indemnification Clause? Examples, Risks & How to Negotiate
An indemnification clause (also called a hold harmless or indemnity clause) is a promise by one party to cover the other party's losses, damages, or legal...
Ready to Review Your Loan Agreement?
Upload your loan agreement and get an AI-powered risk analysis in under 30 seconds. 3 free credits — no sign-up required.