RefiRadar

RefiRadar is a mobile + web AI-assisted app that tells users, with brutal clarity, whether debt consolidation or refinancing will save them money after fees, teaser rates, and lender fine print. Users link accounts (cards, loans, credit score sources) and the app builds a payoff and refinance model using real APRs, balances, utilization, and payment history. It then scans partner and public offers, estimates approval odds, and flags “looks good but isn’t” traps like balance-transfer fees, deferred interest, prepayment penalties, and rate resets. The core output is a simple decision: do nothing, consolidate, refinance, or negotiate—plus the exact steps and documents needed. It also tracks post-refi performance to confirm savings actually happened. This is not a lender marketplace clone; it’s a decision engine that prevents expensive mistakes while still enabling users to act quickly when the math works.