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LoanIQ

Borrower Intelligence Platform

What Lenders Don't Want You To Know
Loan DetailsNEW LOAN

Planning a NEW loan? Enter the loan you're considering — amount, rate, and term — to build a complete amortization schedule from day one. Already have a loan you're paying on — mortgage, card, auto, or other? Skip ahead to the Existing Debt section below instead.

Already Have Debt You're Paying On?DEBT YOU ALREADY HAVE

Already borrowed? This section works with debt you're currently paying on — enter your current balance, your monthly P&I payment, or your original loan plus the payments you've already made — rather than a new loan. Instantly see how much an extra payment, a refinance, or a consolidation loan could save you. Still shopping for a loan? Use the Loan Details section above.

Auto-Fill from Your Statement

OPTIONAL

Upload your most recent statement (PDF or photo) and we'll read it and fill the fields for you. Your document is stored privately — it's only used to auto-fill your numbers, and the temporary access link expires in 10 minutes.

I know my monthly principal & interest payment (derive my balance instead)

Applied to crushing the principal faster

Explore a Refinance

Current Payment

$1,662.29

Remaining Interest (as-is)

$268,635.89

Payoff Time Left

26 yr · by 08/11/2052

Interest-Only Warning

107% of balance

Crush It Faster

Add $200.00/mo to your payment

Interest Saved

$70,877.38

Payoff Sooner By

5 yr 11 mo

New Payment

$1,862.29

New Payoff Time

20 yr 1 mo

Refinance Option

Refi at 5% for 30 yr · $4,000.00 closing

New Payment

$1,342.05

Monthly Savings

$320.24

Net Lifetime Savings

$31,496.43

Break-Even

1 yr 1 mo

Worth it — you save $31,496.43 after closing costs

Compare both paths — extra payments keep your flexibility, refinancing locks in savings but restarts the clock.