LoanShield

LoanShield is a mobile + web AI-assisted “loan sanity check” for consumers shopping for personal loans, BNPL, auto loans, or credit-builder products. Users upload or forward a loan offer (PDF, screenshots, emails) and the app extracts APR, fees, add-ons, prepayment penalties, arbitration clauses, and total cost of credit. It then produces a plain-English risk summary, a comparable “true cost” number, and a checklist of questions to ask the lender. LoanShield also suggests lower-cost alternatives using a marketplace feed and the user’s stated profile (income range, credit band, state), without pretending to be a lender. The app flags common dark patterns (optional insurance bundled as required, teaser APRs, fee stacking) and stores offers in a timeline so users can compare apples-to-apples. It’s not magic: it won’t fix bad credit, but it will prevent expensive mistakes.