FeeFreeze

FeeFreeze is a mobile + web AI app that audits consumer loan offers (auto, personal, BNPL, credit-builder, small installment loans) for hidden costs and misleading math. Users upload a PDF, screenshot, or paste a loan estimate, and the app extracts APR, total of payments, origination fees, add-on products, prepayment penalties, and “optional” insurance. It then rebuilds the loan in plain terms, shows the real all-in cost, and flags clauses that commonly trigger surprise charges. FeeFreeze also generates a negotiation checklist and a lender-facing email template asking for fee waivers or itemized disclosures. The app is realistic: it won’t promise better rates or approvals; it simply reduces information asymmetry and helps users avoid bad deals. Monetization: $6.99/month or $19 per audit, plus affiliate revenue from vetted low-fee lenders (clearly labeled).