Upload a loan screenshot. AI rips off the financial product's mask and shows you the real cost.
🌍 Helping young people worldwide see through predatory lending — one person at a time.
Billions of young people are having their lives destroyed by high-interest loans.
They're not stupid — the interest rates are deliberately obfuscated.
"Only 0.05% daily" sounds cheap. "0.6% monthly fee" looks low. But math doesn't lie.
LoanTruth's mission, in one line:
Use math and AI to expose predatory financial products. Help whoever we can.
👉 Try it now — fast, global CDN
(Mirror: GitHub Pages)
Upload a screenshot → AI extracts the terms → Halley IRR verifies the real APR. "0.05% daily" ≈ 18.25% nominal, but 30.92% real after upfront fees.
| Feature | Description |
|---|---|
| 📸 Screenshot upload | Multi-image stitching (homepage ad + repayment schedule) |
| 🤖 AI recognition | Zhipu GLM-4V-Flash extracts principal, term, hidden fees |
| 🧮 Algorithmic verification | Halley-method IRR computed locally (3rd-order convergence) |
| 🚨 Trap detection | Upfront interest, forced insurance, early-repayment penalties |
| 💰 Debt-to-income ratio | Enter monthly income, see how close to collapse you are |
| ⛔ Debt-cycle warning | Borrowing to repay debt = slow suicide |
| 🎲 Investment warning | Don't gamble your way out of debt — 90% lose more |
| 🛟 Survival roadmap | Concrete, actionable steps out of debt |
# 1. Clone
git clone https://github.com/Focus688/LoanTruth.git
cd LoanTruth
# 2. Install dependencies
npm install
# 3. Configure the Zhipu GLM-4V-Flash API key
# Get a free key at https://bigmodel.cn
echo "VITE_ZHIPU_API_KEY=your_key" > .env.local
# 4. Run
npm run dev🆓 GLM-4V-Flash has a free tier — enough for personal use. The core IRR math works without any API key.
| Layer | Choice |
|---|---|
| Framework | React 19 + TypeScript |
| Build | Vite 6 |
| Styling | Tailwind CSS |
| AI | Zhipu GLM-4V-Flash (free tier) |
| Algorithm | Halley IRR (3rd-order convergence, client-side) |
| Charts | Recharts |
| Icons | Lucide React |
Upload screenshot
↓
Zhipu GLM-4V-Flash extracts (principal / term / payment / fees)
↓
Local Halley IRR → precise real APR
↓
Double verification → AI estimate vs. algorithm
↓
Report → risk level + traps + burden analysis + survival roadmap
Why client-side? User data never hits our servers. Images go directly to the AI API; computation happens in the browser. Income data lives only in memory and disappears on refresh.
| Tier | Real APR | Meaning |
|---|---|---|
| 🟢 Low | < 10% | Normal bank loans, mortgages |
| 🟡 Medium | 10–24% | Credit cards, consumer loans |
| 🟠 High | 24–36% | High-interest cash loans — pay off ASAP |
| 🔴 Predatory | > 36% | Usury — legally unprotected in most jurisdictions |
This isn't a "fun project."
- You may know someone trapped in a debt cycle right now
- You may have seen young people ruined by predatory loans
- You may have been burned by "0.05% daily" yourself
Every person this project helps is one fewer person harvested by the financial machine.
How you can help:
- 🎨 Design — make the UI more impactful and approachable
- 🧮 Algorithm — better IRR, more financial products
- 🌍 Translation — reach young people in more countries
- 📢 Spread the word — help whoever we can
- MVP — single upload + AI analysis + IRR verification
- Debt-to-income ratio
- Debt-cycle warning
- Investment/gambling warning
- Survival roadmap
- Multi-language (EN/ES/JP/ID)
- More product templates (auto / mortgage / credit card)
- Local OCR fallback (works without any API)
- PWA / Telegram Bot
Math doesn't lie. See it, and you win.
Try it · Report issue · Contribute
Made with ❤️ for every young person trapped in debt.