APRReality

APRReality is a mobile + web AI app that turns confusing loan offers into plain-English, comparable “true cost” summaries. Users paste a lender quote, upload a PDF, or forward an email; the app extracts APR, fees, prepayment penalties, variable-rate triggers, and payment schedules, then generates a standardized comparison card across offers. It also stress-tests affordability by simulating rate hikes, income drops, and late-fee scenarios, showing the probability of payment trouble over time. The app does not lend money; it helps consumers avoid expensive mistakes and choose the least harmful option. Monetization is straightforward: freemium comparisons, paid “decision pack” reports, and optional human review for edge cases. Realistically, success depends on accuracy and trust—if parsing or calculations are wrong, users will churn and you’ll face reputational risk.