Daily rate monitoring
Fresh market rates pulled every morning so we catch drops the day they happen.
Updated 6 AMFree for up to 2 loans. No card.
Stop overpaying on your loans. Know when to refinance.
We watch the market. We email you the week refinancing could save you $100+ a month.
Free for up to two loans. No credit card required.
No SSN, no bank linkingWeekly digest, every Monday
Weekly digest
Mon 8 AMYou could save $187/mo
One refinance worth a look this week.
Truck
9.20% → 7.40%
Mortgage
6.10% → 5.90%
Student loan
5.50% → 5.60%
See refi options
How it works
Three minutes to your first answer
- 01
Add your loans
Auto, mortgage, personal, student. Nickname, balance, rate, term. No bank linking, no SSN.
- 02
We track rates daily
Every morning we pull the latest market rates from Freddie Mac, FRED, and Bankrate and compare to yours.
- 03
Get alerts that save money
When rates drop enough to matter, we email you a one-tap refi quote. You decide.
What you get
Why pay $3.99 for this
Most refi tools want to sell your data the moment you load the page. We sell you a $3.99 watchdog instead.
Weekly digest email
Even when nothing changes, you get a proof-of-life Monday note: yes or no, is it time?
Every MondayOne-click refi quotes
When a deal looks worth it, jump to a quote from RateGenius, LendingTree, Credible, or SoFi.
Your choice, alwaysLoved by 500+ early users
Borrowers don't miss a rate drop
“Caught a 1.2% drop on my truck loan I would have missed. The $99 a month is real.”
“Beats logging into Bankrate every week. The weekly email is the whole product.”
“Finally a refi tool that doesn't immediately try to sell my number.”
Pricing
Two simple plans
Track up to two loans free, forever. Upgrade when you want unlimited tracking and instant alerts.
Try first
Free
$0
- Track up to 2 loans
- Weekly digest email
- Daily rate updates
Best value
Plus Annual
$2/mo
Billed $24/yr
Save $24 vs monthly
- Everything in monthly
- Priority alert delivery
- 50% off, locked in
Pay as you go
Plus Monthly
$3.99/mo
- Unlimited loans tracked
- Instant refi alerts
- Savings calculator
Cancel anytime. No fine print.
FAQ
Questions, answered
Is it really free to try?
Yes. Track up to two loans forever on the free tier, with the same weekly digest paying users get. No card required to start.
Where do you get your rate data?
We pull from Freddie Mac PMMS (mortgages), the St. Louis Fed's FRED (consumer + auto), and Bankrate's daily averages. Refreshed every morning at 6 AM UTC.
Will you share my financial info?
Never sold. We don't ask for a Social, we don't link to your bank. The loan info you type stays in your account and feeds your alerts. Full stop.
Can I cancel anytime?
One tap in your account opens the Stripe billing portal. Cancel takes seconds. You keep access until the end of the period you already paid for.
Do you sell my data to lenders?
Only when you click 'Get a quote' on an alert do we hand your loan basics to one chosen lender, the one you picked. Otherwise no info leaves your account.