Your loan agreement has more to say.
DEBT DETOX turns dense loan documents into an evidence-backed cost audit—revealing fee drag, effective APR, vague conditions, and your fastest defensible payoff route.
Live audit view
Orbit Personal Loan
Stated rate
14.9%
Effective APR
19.7%
Fee drag
$1,116
Evidence match
96.7%
Detected clause
P. 4 / 91% confidence“The borrower may opt out of the Credit Protection Plan within 30 days of enrollment.”
Designed for scrutiny
AI insight that keeps the receipt.
A financial-intelligence workspace—not a generic dashboard. The system makes uncertainty visible and ties every extracted term back to the agreement.
Evidence-first extraction
Every value is paired with its page-level source snippet and confidence signal.
True-cost intelligence
See stated rate, fee-loaded effective APR, repayment drag, and hidden conditions together.
Risk-aware payoff plans
Test extra payments against closure penalties before you commit capital.
Three-stage audit
From agreement to action.
Start with a PDF or image, verify what the system found, then model an exit that respects the contract.
01
Ingest
Upload a loan agreement. OCR and AI adapters extract only source-backed fields.
02
Interrogate
Inspect APR drift, fee clauses, confidence, and gaps marked Not Specified.
03
Neutralize
Compare payoff scenarios and multi-debt strategies before paying extra.