Prototype · DebtConsolidationLoansAI.com
Multi-debt AI optimizer.
Describe each debt the way you would say it out loud. The prototype reads the balances, rates and minimums, ranks which debt costs the most to keep, then models a consolidation loan against simply continuing as you are — and against putting the same monthly budget into the existing debts.
A working prototype for demonstration. It calculates on the figures you type — it does not quote real lenders and it is not financial advice.
Your debts, in plain English
Optimised plan
Consolidating saves about $4,907 in interest
$48,900 across 4 debts at a blended 17.9%. One loan at 11.9% over 60 months repays $1,096 a month — $309 less than your current minimums of $1,405.
Paying $1,405 a month into the existing debts instead, highest rate first, costs $21,783 in interest over 51 months — so the single loan is genuinely the cheaper route.
Interest accrues monthly on the outstanding balance, minimums are paid first and every spare dollar goes to the highest rate. Fees are added to the consolidated principal. No new spending on the cleared accounts — reusing a paid-down card is what usually undoes a consolidation.
Acquire the asset, build your own version on Lovable, or commission the studio to deliver it in production with live lender rates, open-banking debt discovery and compliant disclosures.