Loan paperwork is built around the number they want you to see (the monthly payment) and several they'd rather you didn't. This skill computes what you'll actually pay in total, then ranks everything in the offer that can quietly move that number against you.
Loan Decoder is a community-contributed Claude Code skill in the general-misc sub-category. It ships as a SKILL.md file that Claude Code auto-discovers under ~/.claude/skills/loan-decoder/ and loads when your prompt matches the skill's trigger.
When to invoke it: Use when someone asks 'is this loan a good deal', 'decode my loan offer', 'what am I signing', or 'what will this mortgage actually cost me'. Produces a total-cost-of-loan number, APR vs advertised-rate reconciliation, ranked red flags (prepayment penalties, junk fees, rate-reset exposure), and the three questions that most change the deal.
The Loan Decoder Claude Code skill is built for Claude Code users and developers across all disciplines looking for general-purpose AI assistance. It's part of ClaudSkills (also referred to as Claude Skills or Claude Code Skills) — the open community-curated registry of 174,000+ SKILL.md files for Anthropic's Claude Code agent and the wider Claude ecosystem (Claude API, Claude Agent SDK).
mkdir -p ~/.claude/skills/loan-decoder curl -L https://claudskills.com/skills/loan-decoder/SKILL.md \ -o ~/.claude/skills/loan-decoder/SKILL.md
Or just download SKILL.md directly and drop it into ~/.claude/skills/loan-decoder/. Claude Code auto-discovers it on next session.
Skills live at ~/.claude/skills/loan-decoder/SKILL.md on macOS/Linux, or %USERPROFILE%\.claude\skills\loan-decoder\SKILL.md on Windows. See the full install guide for step-by-step instructions.
Open @claudskills_bot on Telegram, tap Open Desktop App, and the desktop app installs this skill for you. Or share the bot link with a colleague — they get the same one-tap install. Learn more →
The ClaudSkills desktop app installs any skill directly into ~/.claude/skills/ with one click — no terminal required. Pro starts at $9/mo or $149 lifetime.
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SKILL.md from the source repository to ~/.claude/skills/loan-decoder/SKILL.md and restart Claude Code. Both flows are detailed at claudskills.com/install/.SKILL.md file that lives under ~/.claude/skills/<name>/ and tells the Claude Code CLI agent how to perform a specific task (instructions, prompts, allowed tools). Skills are auto-discovered at session start. Loan Decoder is one of 67,000+ skills indexed in the open ClaudSkills catalog, classified under the General category. Learn more at /learn/what-is-a-claude-skill/.If you reference this skill in a blog post, paper, or documentation, you can cite it as:
@misc{loan-decoder-2026,
author = {mohitagw15856},
title = {Loan Decoder [Claude Code skill]},
year = {2026},
publisher = {ClaudSkills},
url = {https://claudskills.com/skills/loan-decoder/}
}Grade A · scanned 2026-08-02 — free static scan against the OWASP Agentic Skills Top 10.
No risk patterns were found in any of the ten OWASP-aligned categories. How grading works ›
Browse all General skills in the ClaudSkills registry, or explore these other picks from the same category:
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SKILL.md files, not affiliated with, endorsed by, or sponsored by Anthropic.