Loan Wise: Pro Finance

LoanWise is your intelligent loan decision companion.

Before you borrow, understand exactly how a loan will impact your income, cash flow, and long-term financial stability. No spreadsheets. No surprises. Just clear, data-driven insights that help you move forward with confidence.


WHY LOANWISE?

Salary & Income Impact Analysis
See how much of your monthly take-home goes toward repayments before you commit. Know your debt-to-income (DTI) ratio instantly — the same number banks and mortgage lenders use to approve applications.

Affordability Check
Visual, instant feedback on whether a loan fits your budget. No jargon. Just a clear answer before you sign.

Full Amortisation Schedule
Complete month-by-month breakdown — principal, interest and balance for every payment. Supports Reducing Balance (EMI) and Simple Interest (Flat Rate) — used by banks, SACCOs and microfinance institutions worldwide.

Loan Comparison
Compare two loan offers side by side. See which saves more in total interest, monthly payment and lifetime cost. Bank vs fintech. Fixed vs variable. Two lenders — one clear winner.

Repayment Tracker
Track every payment on an active loan. Mark months paid, catch overdue payments early and add private notes. Your long-term debt management companion.

Save & Share
Save unlimited simulations. Share summaries via WhatsApp, email or any app.

Zero Friction
No account. No data collected. Works 100% offline.

EVERY TYPE OF LOAN

Mortgage & Home Loans — first-time buyers, refinancing, mortgage amortization, HELOC

Auto & Car Finance — monthly installment, total repayment, dealer negotiation prep

Personal Loans — bank loans, buy-now-pay-later, peer-to-peer, debt consolidation

Business & SME — working capital, equipment finance, startup credit

Student Loans — repayment planning, income vs debt analysis

Cooperative & Microfinance — SACCO, chama, susu, arisan, salary advance


BUILT FOR BORROWERS EVERYWHERE

Africa
Nigeria · Ghana · Kenya · South Africa · Tanzania · Uganda · Zambia · Senegal — salary advance, cooperative flat-rate, susu, chama and SACCO calculations.

Asia
India (home loan EMI, two-wheeler, education) · Indonesia (KPR, KTA, cicilan bulanan, pinjaman online) · Philippines (Pag-IBIG, SSS amortization) · Thailand (สินเชื่อส่วนบุคคล สินเชื่อรถยนต์