AI-powered protection

Borrow Smarter.
Avoid Predatory Loans.

AI-powered lender intelligence that helps you compare lenders, detect red flags, and make safer borrowing decisions — before you sign.

Bank-grade privacy
Independent scoring
No data sold
Lender Report
OppLoans
Installment Lender · Chicago, IL
High Risk
Trust42
Predatory78
Sentiment38
Fee Clarity55
RED FLAG
APR exceeds safe benchmark by 3.2x. 31% of negative reviews cite hidden fees.
What you get

A second opinion on every loan you consider.

LendyTrack combines complaint data, sentiment analysis, and predatory-pattern detection into one independent score — so you know what you're signing.

Lender Search Engine

Trust, sentiment, complaints, and fee transparency for thousands of lenders.

Predatory Detection

AI flags high APR, balloon payments, hidden fees, and aggressive collections.

Loan Offer Analyzer

Paste your offer. We surface true cost, red flags, and safer alternatives.

Financial Improvement

A roadmap to raise approval odds and lower the rate you'd qualify for.

AI Coach

Plain-English answers about APR, fees, debt strategies, and lender risks.

Consumer-First

We don't get paid by lenders. Scores are independent and transparent.

How it works

Three steps to a safer borrowing decision.

01
Search the lender

Type a name. Get an instant trust report with complaint trends and red flags.

02
Analyze the offer

Enter the amount, APR, and fees. We expose the true cost and find alternatives.

03
Improve your odds

Follow a step-by-step plan to qualify for better rates before you borrow.

Sample reports

Recently scored lenders

Why people trust LendyTrack

Independent. Consumer-funded. No lender kickbacks.

Most loan comparison sites are paid by the lenders they rank. LendyTrack's scores can't be bought. We surface the data lenders hope you never read.

3.2M
Loans analyzed
180k
Red flags detected
$412
Avg. saved per user

"Found out the loan I almost signed had a 187% APR. Switched lenders and saved $2,400."

Renee P.

"The financial health plan got me from 590 to 672 before I applied. I qualified for prime."

Marcus J.

"The AI coach actually answered my questions in plain English. No upsells."

Priya S.
Pricing

Protection that pays for itself.

Start free. Upgrade when you want unlimited analyses, deeper lender intelligence, and your personal AI coach on call 24/7.

Free
$0/ forever

Essential consumer protection for occasional borrowers.

  • Lender search with trust scores
  • 3 loan analyses per month
  • Basic predatory red-flag detection
  • Public complaint & sentiment data
  • AI Coach: 10 messages / month
  • Save up to 5 lender comparisons
Start free
Premium
Most popular
$12/ month

Full intelligence stack for active borrowers and rate shoppers.

  • Everything in Free
  • Unlimited loan offer analyses
  • Advanced predatory pattern detection
  • Side-by-side lender comparisons
  • Personalized financial health roadmap
  • Unlimited AI Coach with saved threads
  • Rate-drop & lender alert monitoring
  • Priority support & dispute templates
Upgrade to Premium
14-day money-back guarantee · Cancel anytime
Need a team or enterprise plan for a credit union or nonprofit? Contact us.

Don't sign that loan blind.

One free check could save you thousands. Start with a lender search or drop your loan offer in the analyzer.