Privacy
LoanOptim has no accounts, no sign-up and no database of visitors.
Calculations
Every calculator runs in your browser. The numbers you type are not sent to us.
Saved inputs
To save you retyping, each calculator remembers your last inputs in your browser's local storage on this device only. Nobody else can see them. You can erase them at any time:
AI features
If you press "Ask" or "Read offer", the question, the calculator figures shown on the page, or the offer text you pasted are sent to our server and passed to an AI model through Vercel AI Gateway to produce the answer. We do not store them. Please don't include names, account numbers or other personal details; they're never needed.
Analytics
We use Ahrefs Web Analytics, a cookieless analytics tool, to count page views and see which pages are useful. It doesn't track you across sites.
Not financial advice
LoanOptim is an educational tool, not a lender or adviser. Confirm figures with your lender before making decisions.