LD
Loan Decoder
🔵 Stable🕐 updated 2026-07-14
🔷 SkillSpec L3
pm-decoders
Decode a personal, auto, or mortgage loan offer into what it really costs and where the traps are. Use when someone asks 'is this loan a good deal', 'decode my loan offer', 'what am I signing', or 'what will this mortgage actually cost me'. Produces a total-cost-of-loan number, APR vs advertised-rate reconciliation, ranked red flags (prepayment penalties, junk fees, rate-reset exposure), and the three questions that most change the deal.
What to give it
▸The offer document text — loan estimate, term sheet, or contract. With partial paperwork, decode what's there and list the numbers still needed (APR, fee itemization, penalty terms).
▸Loan basics if not in the text — amount, rate, term, fixed or variable.
▸Their plan — how long they'll keep the loan/asset, and whether they might pay early.
✅ The bar it holds itself to
Every skill in this library self-verifies — these are this skill's own quality checks, straight from its definition.
✓Total-cost-of-loan is computed with visible arithmetic, not asserted
✓APR vs. advertised rate is reconciled or explicitly flagged as missing
✓Variable-rate exposure is shown as concrete payment amounts at the caps
✓Every red flag quotes the document and prices the harm in dollars
✓Missing numbers are listed as `[to confirm]`, never estimated silently
✓The disclaimer line appears verbatim in the artifact
⚠️ What it refuses to do
Do not invent terms, rates, or fees that aren't in the document
Do not soften a red flag to seem balanced — a prepayment penalty is a cost, name it
Do not present jurisdiction-dependent lending rules as universal
Do not compare against "typical market rates" as fact — frame comparisons as ranges to verify
Do not let the monthly payment carry the verdict — total cost is the headline
Install
npx pm-claude-skills add --agent claude # or codex · cursor · gemini · hermes
# or one-line MCP (every skill, any client):
claude mcp add pm-skills -- npx -y pm-claude-skills-mcpRelated skills
🔌 Embed this skill
Drop this on your blog, docs, or site — it renders a "Run this skill" card:
<div data-pm-skill="loan-decoder"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>💬 Discussion
Loan Decoder is one of 599 open-source professional AI agent skills — all SkillSpec L3.
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