Stop paying
interest. Start
conquering
your debt.
Lorica builds a personalized payoff plan around how you actually earn — whether that's a salary, hourly shifts, or gig income that never looks the same twice.
From linked account to
payoff plan in minutes.
Lorica does the heavy lifting. You stay in control — every step, every payment.
Securely link your bank and credit cards with read-only access via Plaid. Lorica sees your data — it never touches your money without your explicit authorization.
We analyze your income patterns, pay frequency, and every balance you carry — then build the fastest, lowest-cost path to zero that actually works for your life.
Set your rules once. Lorica routes the right amount to the right creditor at the right time — every pay period, automatically, whether your income is steady or not.
Minimum payments
are a trap.
On the average U.S. revolving card balance of $6,864 at a 22% APR, making only the minimum payment takes over 21 years and costs nearly $11,600 in interest. Paying just $100/month more than the minimum cuts that to under 4.5 years and saves over $8,500.* Lorica finds a smarter way.
*Illustrative example using the average U.S. revolving credit card balance ($6,864 — LendingTree analysis of 350,000+ credit reports) at a 22% average APR (Federal Reserve G.19, June 2026) and a standard minimum-payment formula (1% of balance + interest, $25 floor). Individual results vary and are not guaranteed.
Everything you need.
Nothing you don't.
Six core tools built to work together — from your first debt snapshot to your last payment.
Lorica helps you plan and automate payments to your own creditors. It is not a debt settlement, debt management, credit counseling, or credit repair service — when those are the right fit, Lorica refers you to vetted partners.
Every balance, APR, and minimum payment — organized by payoff priority. Know exactly where you stand the moment you log in.
Avalanche, snowball, or hybrid/custom — you choose your strategy. We'll flag Avalanche as our recommended option for minimizing total interest, but every plan starts from your own selection — Lorica never picks or defaults a strategy for you.
Payments flex with your income timing — weekly, monthly, or project by project. Lorica adapts so your plan never breaks when your income varies.
Set your rules once. Lorica handles the payments automatically — the right amount, to the right creditor, every pay period, without lifting a finger.
Track your score as your debt falls — with plain-English explanations of every change and what to do next to keep momentum.
When consolidation, counseling, or legal help is the right move, Lorica will connect you with vetted partners — no cold calls, no pressure.
Your data stays yours.
Built on the same security standards trusted by banks. We collect only what we need — and we never sell it.
TLS 1.3 in transit, AES-256 at rest — the same standard used by major financial institutions worldwide.
We connect through Plaid's secure read-only API. We analyze — we never move money without your explicit consent.
Your financial data powers your payoff plan — nothing else. Never sold, never shared with advertisers. See our Privacy Policy.
Every authorization is independently revocable. Pause, adjust, or disconnect at any time — no penalties, no lock-in, no questions asked.
Privacy practices built in alignment with the California Consumer Privacy Act and the Gramm-Leach-Bliley Act's Safeguards Rule.
Multi-factor authentication across all internal systems. Your data is only accessible to the services that need it — and nothing more.
Your debt has had
its turn. Now you
take control.
Join the early access list. We'll reach out personally before we open the doors — no rushed rollout, no broken experience.
No credit card. No spam. Early access only.