Loan Agreement Analyzer
PROReview and assess personal or business loan agreements for fairness, identify unfavorable clauses, calculate true borrowing costs, and spot predatory lending red flags.
Example Usage
“Review this personal loan agreement I received from my bank. I’m borrowing $25,000 over 5 years with a stated 7.5% interest rate. Please extract all the key terms, calculate the true APR including all fees, and highlight any terms that seem unfair or unusual. I have a gross monthly income of $5,000 and current monthly debt payments of $800. Is this loan within reasonable bounds for my financial situation?”
Skill Prompt
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How to Use This Skill
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Suggested Customization
| Description | Default | Your Value |
|---|---|---|
| Type of lender (bank, credit union, p2p, fintech, private) | bank | |
| Loan type (personal, mortgage, business, auto, student) | personal | |
| Red flag sensitivity (lenient, moderate, strict) | moderate | |
| Maximum acceptable debt-to-income ratio | 0.43 | |
| Baseline for term comparison (market_median, market_best) | market_median | |
| User's risk tolerance (low, medium, high) | medium |
Research Sources
This skill was built using research from these authoritative sources:
- AI Loan Contract Processing & Data Extraction Software Commercial AI tool for extracting borrower details, loan terms, interest rates, and collateral from loan documents
- How to Review Loan, Borrowing, and Debt Agreements Comprehensive checklist for reviewing loan agreements, identifying hidden fees, and negotiation opportunities
- Evaluating Loan Terms & Interest Rates Guide covering APR analysis, loan-to-value ratios, and comparing interest rates across lenders
- Mastering the Art of Reviewing Credit Agreements Advanced framework for credit analysts on identifying red flags in loan structures
- Loan Agreements - Key Terms (Legal Reference) Professional legal guide explaining essential loan terminology and contractual elements
- ContractNLI: Document-Level NLI for Contracts Stanford NLP framework for automated contract understanding using natural language inference
- Negative-Pledge Clauses: Loan-Agreement Red Flags Analysis of covenant clauses, breach consequences, and negotiation strategies
- Document Reader for Credit Agreements AI model specialization for extracting structured finance information from credit agreements