LoanIntel
Give employees a path out of debt.
Amortization clarity, extra-payment simulators, and an avalanche-vs-snowball optimizer. Turn FinVeil from a monitoring tool into a financial wellness benefit your employees will actually use.
How it works
Three steps.
Employee logs loans
Every debt, every APR, every term — in one place.
Calculator shows true cost
See the full interest paid over the life of each loan.
Optimizer finds the fastest payoff
Avalanche (math-optimal) vs snowball (momentum) — pick your strategy.
Benefits
Why teams choose LoanIntel.
Amortization clarity
Employees see exactly how much interest they pay over the life of each loan.
Extra-payment simulator
Show the impact of R500/month extra — often R43,000 saved on a home loan.
Repo-rate impact
When SARB raises rates, employees see the real cost instantly, not next statement.
Avalanche vs snowball
Mathematically optimal vs psychologically optimal — pick what you'll actually stick with.
Who it's for
Run the numbers
See how much interest an extra R500/month can save.
Savings calculator
See how much extra payments save.
Adjust your loan balance, rate, and extra monthly payment. FinVeil's LoanIntel does this live inside the app.
Interest without extra
R 1 694 930
Interest with extra
R 1 465 146
You save
R 229 785
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docsimport { FinVeil } from '@finveil/sdk';
const fv = new FinVeil(process.env.FINVEIL_API_KEY);
// Optimise across all of an employee's loans
const plan = await fv.loans.optimize({
employeeId,
strategy: 'avalanche',
extraMonthly: 500,
});
console.log(plan.payoffDate, plan.interestSaved);
// 2029-04-12 R 43,280Works with