Know what your personal loan is really asking you to accept
The amount you actually receive, the fees, the repayments, early repayment and what a missed payment costs, explained from your own agreement.
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Upload your loan agreement or pre-contract information. We'll explain what we can confirm and show what is missing.
What the review looks for
Conditions and protections like these, each quoted from your own documents
SneakyArrangement fee deducted before you receive the money
The fee comes off the loan before it reaches your account, so you receive less than the stated amount.
The review states the loan amount and the deduction as the documents give them, and asks you to confirm the amount you will actually receive and whether interest applies to the fee.
Whole balance due after one missed payment
Miss a payment and the lender can demand everything you owe at once.
What a missed payment triggers, and after how long, is one of the conditions people find out about too late. Check the notice the lender must give first.
WatchfulOptional extras added to the loan
An insurance or protection product may be included in the amount you repay.
The review separates the loan itself from any optional extra and shows what each costs, as stated. Check that anything optional was something you chose.
CleanRepay early without a charge
You can pay the loan off early and the documents say no charge applies.
A protection worth knowing. Check whether interest is recalculated when you do, and what the documents say about partial early repayments.
How it works
Simple, transparent pricing
Buy credits once and use them anytime.
New accounts get their first full contract review free. No payment required.
The initial scan needs no account. The full review needs a free account.
One credit. Every clause read, translated, and rated. Saved to your account.
Scan is always free. Credits are for when you actually need to know what you're signing.
Frequently asked questions
What should I upload?
The loan agreement, the pre-contract information or the key facts, as a PDF, DOCX or pasted text. A representative example from the lender helps too. Do not upload bank statements or anything with your account number.
Does the review tell me whether to take the loan?
No. It explains the amount you receive against the stated amount, the fees, the interest conditions, the repayment schedule and the stated total repayable, early repayment, what a missed payment costs and what the lender may decide, and gives you questions to ask. It does not judge affordability, rank lenders or recommend one.
Does it work out the APR or the total cost?
No. It quotes the figures exactly as the documents state them and never calculates an APR, total interest or a saving. If the documents state a total repayable, it quotes that.
What about mortgages or car finance?
Not covered. The review is for ordinary unsecured personal loans. Secured lending and mortgages have different terms and are outside it.
Which countries does this work for?
Any English-language personal loan agreement. The review explains what your documents say, not what the law in any country grants.
Is this legal advice?
No. The review tells you what a clause means and whether it is one-sided. What you do about it is your call. For anything serious, talk to a local lawyer.
What happens to my document after I upload it?
Your contract is processed and deleted immediately after analysis. We only save the analysis results to your account so you can access them later.
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