Is Microloan Comparison free to use?

Yes — run it free in the browser playground (no API key needed for the sponsored trial, or bring any provider key), or install it into Claude Code, Cursor, ChatGPT and more via npx pm-claude-skills. MIT-licensed and open source.

Microloan Comparison

Q: What do I need to use Microloan Comparison?

For each offer; Any compulsory savings, insurance or deposit; Whether it is an individual or group loan; What the loan is for and when the; The currency.

Q: How do I know the Microloan Comparison output is good?

The skill verifies itself against its own quality checks: Every offer is compared on money received, total repaid and total cost, not only the stated rate; Flat-rate interest is explained and converted to an approximate effective rate, labelled approximate; Group guarantees, compulsory savings and app data access are named as risks where present; An affordability check against expected income is included.

🔵 Stable🕐 updated 2026-10-16 ✅ 4.8/5 🔷 SkillSpec L3 pm-money

Compare small loans from microfinance institutions, lending apps, savings groups and moneylenders by what they really cost, including flat versus reducing-balance interest, fees, compulsory savings and group guarantees. Use when someone says 'which microloan is cheaper', 'is this lending app a good deal', 'the interest is only 2% a month, is that good', or 'should I join a group loan'. Produces the true cost of each offer, a side-by-side comparison, the risks in each, and questions to ask before signing.

▶ Run it free — no key needed 📝 Grade your existing draft ⬇ Add to Claude (works in Duet) 📱 Use as an app View SKILL.md ↗ What changed

🗣 Say this to your agent

“Two microfinance offers, one 2% flat a month, one 30% a year reducing, which is cheaper?”“This lending app gives me 5,000 for 14 days, is that a good deal?”“Should I join a group loan with my neighbours?”“The loan officer says only 3% per month, what will I really pay?”

What to give it

▸For each offer — amount, interest rate and whether it is flat or on the reducing balance, the term, how often repayments are due, and every fee

▸Any compulsory savings, insurance or deposit

▸Whether it is an individual or group loan

▸What the loan is for and when the — money it earns will come in

▸The currency

✅ 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.

✓Every offer is compared on money received, total repaid and total cost, not only the stated rate

✓Flat-rate interest is explained and converted to an approximate effective rate, labelled approximate

✓Group guarantees, compulsory savings and app data access are named as risks where present

✓An affordability check against expected income is included

✓The output points to free financial counselling and ends with the not-advice line

⚠️ What it refuses to do

Comparing offers by the headline rate alone

Presenting an approximate effective rate as exact

Ignoring the risk of a group guarantee because the rate is low

Encouraging borrowing to repay another loan without flagging the debt-spiral risk

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 -p pm-claude-skills pm-claude-skills-mcp

Related skills

🔌 Embed this skill

Drop this on your blog, docs, or site — it renders a "Run this skill" card:

<div data-pm-skill="microloan-comparison"></div>
<script src="https://mohitagw15856.github.io/pm-claude-skills/embed.js" async></script>

💬 Discussion

Microloan Comparison is one of 1326 open-source professional AI agent skills — all SkillSpec L3. Try them all in the browser · ⭐ Star on GitHub · Browse the full catalog