Loan Decoder Skill

Loan paperwork is built around the number they want you to see (the monthly payment) and several they'd rather you didn't. This skill computes what you'll actually pay in total, then ranks everything in the offer that can quietly move that number against you.

What This Skill Produces

• The total-cost-of-loan number: everything paid over the life, and total interest + fees
• APR vs. advertised rate, reconciled — where the gap comes from
• Ranked red flags: prepayment penalties, junk fees, variable-rate reset exposure, add-ons
• The three questions that most change this specific deal, plus what's negotiable

Required Inputs

Ask for these only if they aren't already provided: