Promissory Note Analyzer

Understand Any Loan or Promissory Note

Upload or paste any promissory note or loan agreement. Get a clear breakdown of the true interest cost, prepayment penalties, default triggers, acceleration clauses, and terms that could cost you more than expected.

Drop your PDF here or click to upload

PDF files up to 10MB

or paste text

True Interest Cost

See the full APR and total interest over the life of the loan — not just the monthly payment.

Prepayment Penalties

Find out if paying off early costs you money and how much.

Default Triggers

Understand exactly what counts as default and how much notice you'd get.

Acceleration Clause

See if the full balance becomes immediately due on default and the conditions that trigger it.

Personal Guarantee

Know if you're personally liable beyond any collateral pledged.

Balloon Payments

Identify any large lump-sum payments due at the end of the loan term.

Disclaimer: DocuAnalyzer provides automated analysis for informational purposes only. This is not legal advice. For important legal matters, always consult a qualified attorney.