Step 1
Upload your document
PDF or Word. Contracts, leases, notices, agreements — anything legal.
Free AI review
All 50 states
~60 seconds
Document Review
Will your loan agreement hold up?
Upload your loan agreement or promissory note and get a free AI legal review - the interest rate against your state's usury limits, repayment and default terms, collateral language, and what cosigners are actually taking on.
Stored privately · Deleted after 30 days · Not used for AI training
Start here
Get your free review
How it works
From upload to verdict in about a minute
Step 2
Watch the review stream live
The analysis is written onto your screen line by line while you watch — checked against your state's laws and applicable federal law.
Step 3
Get a straight answer
A clear verdict with specific recommendations — or confirmation your document is in good standing.
Coverage
What we check in your Loan Agreement
Interest rate vs. state usury limits
Repayment schedule and maturity clarity
Default and acceleration triggers
Late fee and penalty enforceability
Collateral and security language
Cosigner and guarantor obligations
Red flags
Red flags we catch in your Loan Agreement
These are the problems that show up again and again in uploaded documents like yours — each one is checked against the laws of the state you select.
Interest above the state usury cap
Usury limits vary widely by state and by loan type, and the consequences of exceeding them range from losing the excess interest to forfeiting all interest - in a few states, an unenforceable loan altogether.
No maturity date or repayment schedule
A note silent on when payments are due, or payable on demand without saying so, leaves both sides guessing - and starts statute-of-limitations clocks at different times than the parties assume.
Acceleration with no notice or cure period
Clauses making the full balance due on any default - one late payment, with no chance to catch up - are a common source of family-loan blowups and are read strictly against the lender in many states.
Late fees that stack or compound
Percentage fees charged monthly on the whole balance, or fees layered on top of default interest, can push the effective rate past usury limits and into territory courts treat as unenforceable penalties.
Collateral pledged but never perfected
Describing collateral in the agreement is only step one - security interests in most personal property are perfected under UCC Article 9 filing rules, and vehicle liens go on the title. Skipping those steps can leave the lender effectively unsecured.
Cosigner obligations left unexplained
A cosigner is typically liable for the full balance the moment the borrower misses a payment - not after collection efforts fail - and agreements that never say so invite disputes with the person who did the favor.
A family loan with no interest or paper trail
Below-market loans between relatives can trigger imputed-interest treatment under federal tax rules, and undocumented loans are routinely recharacterized as gifts when an estate or a dispute later forces the question.
Optional paid revision
If we find problems, we can fix them
After your free report, you can choose to have every finding fixed for you. You get back a complete revision package:
Revised document
Every finding addressed; everything else untouched.
Redline comparison
See exactly what changed, clause by clause.
Summary of changes memo
A plain-English memo explaining each fix.
Editable Word file
Keep editing the revised document yourself.
$49 · one-time · only if you choose
Cost comparison
What it costs to review your Loan Agreement
| Option | Typical cost |
|---|---|
| Free AI review | $0 |
| AI revision package | $49 one-time |
| Typical attorney review | $300–$600 |
Attorney fees vary widely by market, firm, and document complexity — the range shown reflects typical flat-fee marketplace rates.
FAQ
Common questions
No. The review is an automated, informational analysis of your document. It is not legal advice, and no attorney-client relationship is created. For advice about your specific situation, consult a licensed attorney in your jurisdiction.
Your document is stored privately, used only to produce your review, and never used to train AI models. It is automatically deleted after 30 days.
Text-based PDF and Word (.docx) files up to 25 MB. Scanned or image-only PDFs cannot be read yet - re-export the document as a text-based PDF or .docx and upload that instead.
If your free report finds problems, you can optionally have us fix them for a one-time $49: a revised version of your document with every finding addressed, a redline comparison showing exactly what changed, a Summary of Changes memo, and an editable Word file.
Yes. The review and the full report are free - no credit card and no subscription required. You only ever pay if you separately choose an optional paid service after seeing your report.
Generally yes, if the basics are there - the amount, the promise to repay, and signatures. The larger risk is not validity but proof and terms: undocumented or vague loans are the ones that get recharacterized as gifts or fought over. The review checks whether the essential terms are actually on paper.
Usury laws cap the interest a lender can charge. Each state sets its own limits, frequently with different caps for written versus oral agreements and exemptions for licensed lenders - and penalties for exceeding them range from refunding excess interest to forfeiting the entire interest claim. The review compares your stated rate, including the effect of fees, against the limits of the state you select.
Whatever the agreement says happens - which is the problem when it says little. Well-drafted notes spell out cure periods, acceleration, late fees, collection costs, and what happens to collateral; without those terms the lender is left with a bare breach-of-contract claim and the delays that come with it. The review flags the default provisions your agreement is missing.
In most states, no - a signed writing is enough for the loan itself. Notarization becomes relevant when collateral is involved, since documents recorded against real estate generally must be notarized, and it independently helps rebut later claims that a signature was forged.
This review is an automated, informational analysis and is not legal advice. No attorney-client relationship is created. For advice about your specific situation, consult a licensed attorney in your jurisdiction.