Check Your Loan Agreement Before You Sign

Yes, 100% free with no account creation, credit cards, or hidden paywalls. You can scan unlimited loan agreements, commercial contracts, and bank sanction letters, and download complete PDF risk audit reports at zero charge.

Never. We operate on a strict zero-retention architecture. Document extraction (via PDF.js and Mammoth for DOCX) occurs client-side in your local browser memory, and deterministic rule evaluation is ephemeral. Once you close your browser tab, all document contents are permanently destroyed.

Our engine screens for over 100 hazardous legal terms, including:

• Acceleration clauses: Demanding full principal repayment upon minor late payments.
• Confession of judgment (COJ): Forfeiting your constitutional right to contest disputes in court.
• Immediate repossession & telemetry: Consent for GPS tracking devices or starter-interrupt kill switches without notice.
• Predatory flat interest: Front-loaded calculation rules (such as Rule of 78s) penalizing early payoffs.
• Personal guarantees: Exposing personal family assets to commercial debts.

Yes! We have a dedicated Sanction Letter Scanner & Verification Tool. It audits approval documents for floating benchmark spreads, pre-disbursement title conditions, non-refundable processing fees, and sanction letter validity windows (typically 30–90 days).

Lenders frequently advertise attractive interest rates while deducting upfront processing fees (1.5%–3.5%), documentation charges, legal valuation costs, and bundled insurance from the disbursement. Our Hidden Charges Checker calculates your True Effective Annual Percentage Rate (APR) to show the real cost of debt.

Under standard consumer lending regulations (such as regulatory central bank rules and Truth in Lending statutory mandates), individual floating rate home loans and consumer advances cannot be subjected to prepayment or foreclosure penalties. If your floating loan agreement attempts to enforce prepayment penalties or multi-year lock-ins, our scanner will flag it as a high-risk violation.

We support digital PDF (.pdf), Microsoft Word (.docx), and plain text (.txt) documents up to 12 MB and 25 pages, plus direct text paste. Digital PDFs with selectable text analyze instantly. Scans run against English legal contracts with multi-language interface options available.

Yes! You can use our interactive Loan Offer Comparison Tool to compare two lender proposals side-by-side. It benchmarks monthly EMIs, net in-hand disbursement, total lifetime interest, and fee structures to tell you exactly how much money you save between Option A and Option B.

No. Agreement Risk Scanner is an automated educational screening and borrower advocacy utility. It flags dangerous clauses and equips you with actionable questions to challenge your loan officer, but it does not constitute formal legal representation. High-stakes contracts (such as commercial mortgages or business purchases) should always be verified by an attorney licensed in your jurisdiction.

Findings are triaged into three clear tiers:

• High Attention: Severe legal traps (immediate repossession, personal guarantees, confession of judgment).
• Review Carefully: Ambiguous charges, discretionary bank fees, or binding arbitration.
• Informational: Standard grace periods, benchmark definitions, and loan parameters.

Each identified clause includes verbatim contract citations and ready-to-use counter-questions so you can request amendments from your lender before executing the agreement.