Use this when
Balance
Capture the facts for balance in plain language before moving to software, automation, or a larger system.
Rate
Capture the facts for rate in plain language before moving to software, automation, or a larger system.
Term
Capture the facts for term in plain language before moving to software, automation, or a larger system.
Payment
Capture the facts for payment in plain language before moving to software, automation, or a larger system.
Extra payment
Capture the facts for extra payment in plain language before moving to software, automation, or a larger system.
Payoff date
Capture the facts for payoff date in plain language before moving to software, automation, or a larger system.
Interest saved
Capture the facts for interest saved in plain language before moving to software, automation, or a larger system.
Scenario notes
Capture the facts for scenario notes in plain language before moving to software, automation, or a larger system.
The practical workflow
- Calculate the baseline monthly payment.
- Add a realistic extra payment scenario.
- Compare months saved, not just payment size.
- Save the scenario before talking to a lender or partner.
- Rerun the math when the rate, balance, or term changes.
Copyable AI prompt
Explain this loan scenario in plain English and list tradeoffs: balance [x], APR [x], term [x], extra payment [x].When a template is not enough.
This page gives the useful first version. Loan Genius is the Decent4 product tied to the deeper workflow.
Open Loan Genius