Home Loan Types Cost & Terms Smart Tips FAQ About Get Info Text Alerts
Reg-Z Style Disclosure, For Every Loan

The real
cost, disclosed.

Federal law makes lenders show the true cost of credit in one standard box before you sign. We build every page around that same box — for every loan type, before you ever apply.

Truth-In-Terms Box Sample: Payday Loan
Annual Percentage Rate
The cost of your credit as a yearly rate.
391%
Finance Charge
The dollar amount the credit will cost you.
$45.00
Amount Financed
The amount of credit provided to you.
$300.00
Total Of Payments
What you'll have paid after all payments.
$345.00
Illustrative estimate based on a common flat-fee structure ($15 per $100 borrowed). Not a quote.
Illustration of a person reviewing a Truth-in-Terms disclosure box before signing a loan
Who This Is Built For

Someone about to sign something they haven't fully read.

That's most of us, most of the time. Loan paperwork is written to be skimmed, not read — dense clauses, a flat fee up front, the real cost buried three paragraphs down. We built the Truth Box and the Ledger so the number that actually matters is the first thing you see, not the last.

Why We Built It This Way
Exhibit A

The Ledger

Five loan types, entered side by side the way an auditor would — same columns, same standard, no marketing language.

Loan Type Typical APR Term Amount Audit Mark Best Fit
EXHIBIT 01Payday Loan 300–400%+ 1–4 weeks $100–$500 Hazard One-time gap, repaid next check
EXHIBIT 02Installment Loan 25–200% 3–24 months $500–$5,000 Caution Planned expense, sustainable plan
EXHIBIT 03Title Loan 200–300% 30 days Up to vehicle value Hazard Rarely lowest-cost; last resort
EXHIBIT 04Cash Advance App Varies (tip-based) Days, tied to payday $20–$250 Clear Small, short timing gaps
EXHIBIT 05Line of Credit 20–36% Revolving Varies Caution Recurring, unpredictable costs
Open Full Exhibit Detail
Exhibit B — New

Redaction Reveal

Real loan offers often bury the costly parts in vague language. Click each black bar below to declassify it and see the plain-English version underneath.

Sample Offer Language — Annotated

This agreement includes a   convenience fee  391% APR finance charge due at your next pay date. Your loan will   continue automatically  roll over and re-charge the full fee unless you contact us before the due date. To be approved, you agree to provide   account verification  your online banking username and password. Your rate and terms are   subject to standard review  changeable by us at any time, at our discretion. This offer does not require   extensive documentation  any check on whether you can actually repay it.

Click a black bar to declassify it. 0 of 5 clauses revealed
Exhibit C

Audit Notes

A few habits that matter more than which lender you pick.

01

Ask for the APR out loud

If you only hear a flat dollar fee, ask directly: "What's the APR on this?" Lenders are required to disclose it.

02

Ask what happens if you're late

Get the answer in writing — a fee, a rollover, repossession. A vague answer is a red flag on its own.

03

Compare the total payoff, not the payment

The full amount you'll have paid by the time the loan is done — that's the number that matters.

See All Audit Notes