loan-decoder
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.
npx skills add mohitagw15856/pm-claude-skills --skill loan-decoder --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# Loan Decoder Skill Loan paperwork is built around the number they want you to see (the monthly payment) and several they'd rather you didn't. This skill computes what you'll actually pay in total, then ranks everything in the offer that can quietly move that number against you. ## What This Skill Produces - The total-cost-of-loan number: everything paid over the life, and total interest + fees - APR vs. advertised rate, reconciled — where the gap comes from - Ranked red flags: prepayment penalties, junk fees, variable-rate reset exposure, add-ons - The three questions that most change this specific deal, plus what's negotiable ## Required Inputs Ask for these only if they aren't already provided: - **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. ## Framework: Severity Scale - 🔴 **Can cost you real money** — prepayment penalties (quote the formula, compute an example), precompu
- What This Skill Produces
- Required Inputs
- Framework: Severity Scale
- Output Format
- Loan Decode: [loan type, amount]
- Quality Checks
- Anti-Patterns
- Based On
What does the loan-decoder skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill loan-decoder --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.