RateReroute

RateReroute is a mobile + web AI-assisted app that helps consumers lower the cost of revolving debt (cards, personal lines) by continuously checking whether a refinance, balance transfer, or credit-union product would realistically beat their current APR after fees and approval odds. Users securely connect accounts, then the app models payoff timelines, transfer fees, promo APR cliffs, and utilization impacts. It produces a short list of “worth it” moves, not a marketplace spam wall, and generates a step-by-step execution plan (what to pay first, what to transfer, what to close or keep). It also flags risky behaviors like stacking hard inquiries or chasing teaser rates that backfire. The app is blunt: if you’re unlikely to qualify or savings are trivial, it says so and recommends a payoff-only plan instead.