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App 72 · 100 Apps 100 Hours

Compare every loan offer like a terminal, not a chatbot.

Terms reads your loan like an analyst. Set your amount, term, and credit band, and Terms ranks real lender offers by true lifetime cost — APR, monthly payment, origination fees, and a plain-English reason every offer fits. No leads sold, no guesswork.

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See it in action

A 90-second walk through matching, ranking, and comparing offers.

Read the fine print before you sign it

Real math, ranked honestly — the cheapest offer isn’t always the lowest rate.

Fit-Scored Matches

Every supporting lender is scored on cost, funding speed, and borrower rating, then ranked — with a Best-Fit badge on the offer that wins overall.

Real Amortization Math

Exact monthly payment, total interest, and lifetime cost computed from a true amortization schedule — not a rounded estimate or a teaser rate.

Why-It-Fits Reasons

Each offer comes with plain-English bullets — lowest APR, cheapest lifetime cost, no origination fee, fastest funding — so you know why it ranked.

Save & Compare

Star the offers you like and line them up side-by-side across loan types, terms, and credit bands to spot the cheapest path at a glance.

Coming Soon

The AI upgrade that changes everything

Today Terms ranks a curated lender table with real amortization math. Tomorrow — paste any offer letter and let AI read it for you.

AI Term-Sheet Reader

Paste a real offer letter or term sheet and Terms explains every clause, fee, and gotcha in language you can actually act on.

Planned

Negotiation Coach

AI-drafted scripts and counter-offers help you ask any lender for a lower rate, waived fee, or better term with confidence.

Planned

Rate-Drop Alerts

Get pinged the moment a refinance could meaningfully cut your payment, with the exact savings calculated before you apply.

Planned

Soft-Pull Pre-Qualification

Real eligibility checks that estimate your odds and rate with lenders — without a hard inquiry that dents your credit score.

Planned

Follow the build

Terms is app #72 in the 100 Apps 100 Hours sprint. Watch every screen recorded and shipped — follow along on socials for daily drops, finance breakdowns, and early looks.

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Shopping for a loan right now?

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