Lorica uses Spinwheel to pull in the debts you want to pay off — mainly credit cards and other unsecured balances. Spinwheel brings in each account's balance, interest rate, and minimum payment, so your plan runs on real numbers instead of estimates.

Your interest rates decide the payoff order. Lorica pays your highest-rate debt first (the avalanche method), which is what saves you the most money over time. Accurate balances and rates mean an accurate payoff date.

After Lorica pulls your accounts, you'll see them listed with balances and rates. You choose which ones to include in your payoff plan. You're always in control of what Lorica pays.

Some accounts don't report cleanly, and balances can lag a few days behind your latest statement. If a debt is missing or a number looks off, start a chat and we'll help sort it out.