LienLadder

LienLadder is a mobile + web AI-assisted refinance and consolidation planner that tells users whether they should refinance, consolidate, or do nothing. Instead of pushing lender offers first, it builds a payoff model from the user’s real debts (credit cards, personal loans, auto, student loans) and shows the lowest-cost path with timelines, total interest, and break-even points. Users connect accounts, confirm balances/APRs, and set a monthly payment target. The app then simulates options: avalanche/snowball, balance transfer scenarios, consolidation loan ranges, and refinance break-even (including fees). It flags common traps like extending terms, teaser rates, and “payment goes down but total cost goes up.” If the math supports it, the app can route users to vetted marketplaces/partners; if not, it recommends a DIY plan and automated reminders. The goal is decision clarity and measurable savings, not lead-gen spam.