Lorica is a flat subscription. That's the whole cost.
You pay $39/month, or $374.40/year — which works out to $31.20/month, about 20% less. That covers everything Lorica does: connecting your bank and debts, building your payoff plan, and running your scheduled payments automatically.
Just as important is what Lorica doesn't charge:
No per-payment fees. Whether Lorica runs one transfer or many, the subscription price is the same.
No cut of your money. Every dollar you contribute goes toward your debts. Lorica doesn't take a percentage.
No interest or markup. Lorica isn't a lender and doesn't add interest. You keep paying your existing creditors directly.
No hidden charges. The money moves through a clearing account in your own name — Lorica never holds it, and nothing is skimmed along the way.
The subscription is how Lorica makes money, and it's the only way. That keeps the incentive simple: help you pay your debt down and get you out of it.