Rates changed again today. Check where your rates stand in 3 minutes. Always free.

Check My Rate Health for Free

Rates change daily.
How's your Rate Health?

Get your free personalized Rate Health Report & Score.
See whether outdated loan and card rates are quietly costing you more than they should.

  • See every loan & card rate you carry against today's best market rates.
  • Detect active overpayments and what they're costing you.
  • Resolve rate gaps and overpayments with guided recommendations.
  • Protect your Rate Health with ongoing monitoring.
Get your personalized Rate Health Report & Score. • About 3 minutes.
Check My Rate Health for Free
Free foreverNo credit cardNo impact to your creditBank-level encryption
Powered by trusted financial data
TransUnion
Experian
Equifax
SOC 2 Type II Certified
RateGuard dashboard on iPhone showing Rate Health Score of 65 Fair, 3 active losses, and a Wells Fargo Mortgage priority loss.
Rate Categories We Monitor & Protect
Mortgages
Home Equity Loans
Auto Loans
Student Loans
Personal Loans
Credit Cards
The Scale of the Problem

Most consumers are already overpaying.
The real question is by how much.

Market rates change. Credit changes. Promotional offers expire. Without visibility, small rate gaps can quietly develop into large financial losses over time.

%
of borrowers overpay
Nearly nine in ten mortgage borrowers never lock the best rate available to them.
overpaid every year
The typical borrower's annual overpayment, purely for not catching a better rate.
lost over the loan
More than the median household's entire retirement savings, gone to a rate gap.

Bankrate, 2026, corroborated by Federal Reserve Bank of Philadelphia research (Bhutta, Fuster & Hizmo, 2024). Figures shown are for mortgages; RateGuard monitors mortgages, HELOCs, auto, student & personal loans, and credit cards.

The Blind Spot

There's a tool for almost
everything in your financial life.
Except the rates you pay.

Nearly every important part of your financial life has a dedicated monitoring tool. Until now, the rates you pay haven't.

Credit
Credit monitoring
Watched
Identity
Identity protection
Watched
Spending
Banking & budgeting
Watched
Investments
Portfolio tracking
Watched
Rate blind spot
Rates
Rate monitoring
No monitoring
That's where rate gaps hide

One of your largest financial expenses has never had a monitoring and protection utility.

RateGuard gives your rates the same 24/7 Monitoring & Protection every other part of your financial life already has.

rate gap
/rāt gap/ noun

The difference between the rate you're paying today and the best available rate you could qualify for today.

Rate gaps quietly appear when market rates move, promotional offers expire, or your credit profile changes. Most people never know when one has opened.

Origin: Coined by RateGuard in 2026 to describe one of the largest hidden costs in personal finance.

How It Works

Set it up once.
Stay protected. Automatically.

Start with one soft credit check, no bank logins. RateGuard compares every rate you pay to the live market, flags the moment you're overpaying, and guides you to the lower rate.

Powered by the bureaus you already know & trust
TransUnionEquifaxExperian

RateGuard's monitoring is free. We earn only when you resolve a rate loss, which means we win only when you stop overpaying.

1
One soft credit check.
No bank logins, no passwords. RateGuard reads your rates from a soft credit check that never affects your score, and can never see or move your money. Open a new account later and it's covered automatically.
2
We benchmark them live.
Every rate you carry is compared in real time to current market rates, adjusted for your credit profile. The spread you see is real, not a generic headline number.
3
We flag it and open your options.
The moment a rate is costing you, you get an alert and a marketplace of lenders, ranked by your credit and lowest rate first. You pick the one that resolves the loss. Nothing moves unless you say so.
Your RateGuard Dashboard

Always know exactly
where you stand.

Every rate you carry, benchmarked against today's best available market rate in one clear view. No spreadsheets. No statements. No guessing.

Your rate vs. the market
Each account shows the rate you pay next to the best available rate for your credit, so the spread is impossible to miss.
What it's costing you
Overpayments are calculated to the dollar, per month and over the life of the loan, so nothing hides.
Deadlines on the clock
Promo APRs and reset dates get a countdown, so a good rate never turns bad without warning.
Your Rate Command Center

Your Rate Health Report & Score.

See every loan and card rate you carry, how each compares to today's best available market rates, and exactly where overpayments maybe costing you.

  • Every loan & cardin one place
  • Today's bestmarket rates
  • Rate HealthReport & Score
  • Guidednext steps
RateGuard

Rate Health Score™

/year
in overpayments detected
Last updated: Today, 8:30 AM · Monitoring is active

What's affecting your score?

These factors are driving your score today.

  • 3 Accounts Protected

    Rates at or below market.

    Good
  • 3 Active Losses

    Rates above market. Resolve to stop the loss.

    -30 pts
  • 1 Expiring Rate

    A rate deadline is inside 90 days. Act before it expires.

    Watch
  • 1 Missing Rate

    Account not monitored or rate not set.

    -5 pts
Score factors update as your rates change.

Your path to 100

Take these actions to reach a fully protected score.

Today
Fully Protected
  • Resolve 3 active losses
  • Verify 1 missing rate
  • Address 1 expiring rate
  • Monitor every account

Projected annual improvement

in overpayments avoided

Your Rate Health Report & Score are always free.

Free to check. Free to monitor. We only succeed when you stop overpaying.

Coverage

Protection across every
major borrowing category.

From mortgages and home equity to auto loans, student loans, personal loans, and credit cards, RateGuard continuously monitors every eligible rate in one place.

Mortgage

Fixed, adjustable, and refinance mortgages. Monitor yours against today's best rates.

FixedAdjustableRefinance

Auto Loans

New, used, and refinanced auto loans from banks, credit unions, and dealers.

NewUsedRefinance

Credit Cards

Monitor purchase APRs, balance transfers, and promotional rates.

Purchase APRBalance TransferPromo Rates

Student Loans

Federal and private loans. Stay informed on rates and refinancing opportunities.

FederalPrivateRefinance

Home Equity

Monitor both HELOCs and home equity loans with variable or fixed rates.

HELOCHome Equity LoanFixed & Variable

Personal Loans

Fixed-rate personal loans from banks, credit unions, and online lenders.

UnsecuredSecuredRefinance

All monitored together from one dashboard. More account types added regularly.

Meaningful Alerts

You'll only hear from us when it actually counts.

Most days, you won't hear from us at all. When a rate gap opens or a promotional rate is about to expire, you'll receive a clear alert explaining what changed, why it matters, and what you can do next.

  • No spam
  • No marketing notifications
  • Alerts only when action may be worth considering
Check My Rate HealthIncluded free
Alerts included freeNo credit impactRead-only monitoring
Overpayment detected
Promotional rate ending
Guided Resolution

We don't just find the problem.
We help you fix it.

From the moment we detect an overpayment to the moment it's resolved, RateGuard shows you exactly what to do next.

1
Overpayment detected

We alert you the moment your rate moves above today's market.

Mortgage
30-Year Fixed
Active Loss
Current Rate
6.90%
APR
Market Rate
5.80%
APR
You're overpaying
$241/mo
$2,892 per year
We're monitoring this account 24/7
2
Your personalized options

We search our lending network and rank offers based on your credit profile.

Top offers for you
Recommended
A
5.80%
APR
Est. Savings
$241/mo
Alternative
B
5.85%
APR
Est. Savings
$219/mo
3
You choose

Review your options and decide what works best for you.

You selected
Offer A
5.80%APR
Est. Savings
$241/mo

Nothing changes unless you initiate it.

4
Protected

Your new rate is protected and your Rate Health Score improves.

Your new rate is protected.
Rate Update
6.90%
Old Rate
5.80%
New Rate
Monthly Overpayment
$241/mo
$0/mo
Rate Health Score
65
75
+10 pts
Monitoring Active

Your updated rate is now protected and will continue to be monitored automatically.

Nothing changes unless you initiate it.

You decide every stepClear guidanceBank-level security
Market Benchmarks

See exactly where every rate stands in today's market.

Every rate you carry is benchmarked agaiunst thousands of daily lending observations adjusted for your credit profile, giving you a true market benchmark instead of a generic average.

Benchmarked across every major lending category
Mortgages
Home Equity
Auto Loans
Student Loans
Personal Loans
Credit Cards

All benchmarks are updated daily using credit-tier adjusted market comparisons.

Auto Loan Comparison
Your Rate
6.99%
$512 /mo
Today's Best Market Rate
5.62%
$425 /mo
Rate Gap
1.37%
Above today's best rate
Estimated Overpayment
Monthly
$87/mo
Yearly
$1,044/yr
Life of Loan
$18,742

Updated every day

Market conditions change daily. Your benchmarks do too.

Adjusted for your credit

You're compared to what the market offers borrowers with similar credit characteristics. Not national averages.

You stay in control

Nothing changes unless you chosse to take action. RateGuard shows you where you stand and helps you evaluate your options with confidence.

Thousands
Daily market observations
6 Categories
Consumer lending markets
Updated Daily
Fresh benchmarks
Credit Adjusted
Personalized comparisons
Rate Expiration Protection

Some rates don't drift.
They expire.

0% promotional APRS, ARM fixed periods, HELOC draw windows, and BNPL introductory offers all have expiration dates. RateGuard continuously monitors every deadline and alerts you before higher rates or interest charges take effect.

Promo & Intro APRs
Know before promotional rates expire.
ARM resets
Know before your fixed-rate period ends.
HELOC draw periods
Know before interest-only access ends.
BNPL & deferred interest
Avoid retroactive interest charges.
Monitor My Rate Deadlines

Included free with every RateGuard account.

No credit cardRead-only accessAutomatic monitoring
Security & Privacy

Designed to
watch, not touch.

RateGuard securely monitors your rates using read-only access. It never moves money, changes your accounts, or takes action without your permission.

Read-only monitoringYour accounts always remain read-only. RateGuard can see your rates, but it cannot move money or make changes.
You stay in controlNothing changes unless you choose to take action. Every recommendation is yours to accept or ignore.

Read-only access

  • No edits
  • No transactions
  • No account changes

No credit impact

  • Soft credit check only
  • Monitoring never affects your score

Bank-level encryption

  • Encrypted in transit
  • Encrypted at rest

Trusted financial infrastructure

Connected to the nation's leading credit bureaus.

Trusted Credit Bureau Connections
TransUnionEquifaxExperian
SOC 2 Type II
Certified
256-bit Encryption
Bank-level security
Read-only by Design
Nothing changes without you

Nothing changes unless you decide to take action.

RateGuard only monitors. You stay in control.

FAQ

Questions, answered
before you start.

The questions people ask before trusting RateGuard.

Will this affect my credit score?
No. RateGuard uses a soft credit check to identify your accounts and does not affect your credit score.
Can RateGuard move my money?
No. RateGuard is monitoring only. It can't transfer funds, make payments, or change your accounts.
What accounts can it monitor?
Mortgages, HELOCs, auto loans, student loans, personal loans, and credit cards, all in one place.
Is RateGuard a lender?
No. RateGuard is a rate monitoring and protection platform. When taking action makes sense, we may show offers from participating providers. Whether you act is always your decision.
Can it track my 0% promo or ARM reset?
Yes. It tracks promotional APRs, ARM resets, HELOC draw-period endings, and deferred-interest deadlines, with countdown alerts starting 90 days out. Deadlines are detected automatically where possible, or added in seconds.
Is RateGuard really free?
Yes. RateGuard Free is free forever with no trial and no credit card required. It includes your Rate Health Report & Score, ongoing rate monitoring, overpayment detection, expiration alerts, and standard monitoring. If you want daily credit-aware monitoring and advanced alert controls, you can upgrade to RateGuard Plus anytime. Cancel whenever you like.
Why do I need this if I monitor credit?
Credit monitoring helps protect your credit profile. RateGuard monitors the rates you pay today and alerts you when market changes create a meaningful gap or an important deadline is approaching. They work together.
What if my rates are already good?
Then you're protected, and you'll know the moment that changes. A good rate today can quietly fall behind tomorrow. That's exactly what monitoring is for.
Check My Rate Health
3-minute setupFree ForeverPlus can cancel anytime
Pricing

Rate protection,
free forever.

Everyone gets full monitoring at no cost. Upgrade only if you want daily,
credit-aware checks and finer alert control.

Protecting 24/7MortgagesHELOCsAuto loansCredit cardsPersonal loansStudent loans
Free Forever

RateGuard Free

$0/month

All the protection most people need. See every rate, what it's costing you, and your Rate Health Score.

Overpayment detection with guided fix steps.Every fix is walked through, right inside your dashboard.
  • Interactive dashboard for every account
  • Daily rate monitoring with standard alerts
  • Expiration alerts before promo & intro rates end
  • Rate Health Score, calculators, and market trends
  • Life-of-loan loss projections
  • Unlimited account connections
Check My Rate Health
No credit cardNo trial periodYou stay in control
Advanced ProtectionRecommended

RateGuard Plus

$14.95/month
Billed annually at $179.40 • Save $120/year
or $24.95/month billed monthly • Cancel anytime
Everything in Free, checked daily instead of monthly, so a new gap is caught in a day, not up to 30.
Three Reasons To Upgrade
01
Daily credit-aware monitoring
Updates every day instead of every 30, so credit-driven overpayments are caught before they compound.
02
Custom alert thresholds
Fine-tune alert thresholds to your preferences, account by account.
03
Early-warning expiration radar
90-day countdowns, custom lead times, and payoff-before-deadline plans for every promo, ARM, and draw period.
Upgrade to Plus
Read-only accessNo credit impactYou stay in control

Nothing changes unless you decide to take action. RateGuard only monitors. You stay in control.

OUR MISSION

Bringing Rate Visibility Into Every Consumer's Financial Life.

Helping move rates out of the dark and making unnecessary overpayment increasingly preventable.

Your rates have too much impact on your financial life to be left in the dark.

Every consumer deserves easy access to accurate, ongoing visibility into where their rates stand in relation to today's market. That visibility creates Rate Confidence: the peace of mind that comes from knowing your rates remain competitive.

Our mission is to bring continuous rate visibility into every consumer's financial life until knowing your Rate Health Score becomes as common and expected as knowing your credit score.

Free Rate Health Check
Now you can.

Know exactly where
your rates stand.

Your first Rate Health Check takes about 3 minutes.After your first check, RateGuard continues monitoring automatically,alerts you when meaningful changes occur, and helps you stay protected going forward.

Check My Rate Health

Monitoring mortgages, HELOCs, auto loans, student loans, personal loans, and credit cards.

Free ForeverNo credit impactNo credit cardBank-level encryption