Unmonitored Rates
Can Cost You Thousands.
Start your free scan to check your loans and cards for hidden rate losses.
See your risk, get next steps to stop losses, and stay protected with free 24/7 monitoring.
Free scan now.
Instant results. 24/7 monitoring after.
No Credit Card Required
No Harm to Credit
Bank-Level Security
Free Rate Scan
Scan your loans and cards for
hidden overpayment risk.
Exposure Detected
See where rate drops or credit
shifts may be costing you money.
Guided Protection
Get clear next steps to stop losses, plus free 24/7 monitoring after.
Built with Bank-Level Security and Trusted Data Partners
The Risk
Overpayment Happens in the Background
Overpayments & losses compound because
Rates shift constantly
Credit changes over time
No one tells you when you're paying too much
So overpayment quietly continues -and compounds month after month.
Rate Overpayment Detected
Even a $52/month Auto Load overpayment can turn into $2,080 lost over the
remaining term. Across loans and cards, these losses add up fast.
RateGuard monitors your rates 24/7 so you never miss an overpayment.
The Protection
RateGuard Monitors & Protects Automatically
RateGuard provides peace of mind so that
Your rates are continuously monitored
Market and credit shifts are detected instantly
You're alerted before overpayments & losses compound
Set it up once. Stay protected forever in the background
How It Works
Never Miss a Rate Change that Could Cost You
Set it up once. Stay protected automatically.
Scan
Connect your loans and cards securely one time.
RateGuard finds where you may already be paying above market.
Detect
RateGuard monitors your rates and alerts you instantly if a loss is detected.
Protect
Monitoring runs automatically 24/7.
You are only alerted when a real overpayment loss is detected.
RateGuard Coverage
Monitor and Protect Every Rate You Pay
Set it once. Stay protected across every account, for the life of your loans.
Mortgages
HELOCs
Student Loans
Auto Loans
Personal Loans
Credit Cards
Who Can Benefit
A Watchdog for Every Wallet
Overpaying usually goes unnoticed. RateGuard alerts you before it does.
If Your Credit Is Improving
Lower outdated rates
- Banks don’t notify you when better terms become available
- RateGuard monitors credit and market shifts
- Alerts you when your current rate becomes an overcharge
If You Have Multiple Debts
Stop the “inactivity tax”
- Managing multiple loans is easy to ignore — and expensive
- RateGuard audits your accounts automatically
- Surfaces consolidation paths that reduce silent interest loss
If You’re on Autopay
Eliminate silent overpayments
- Autopay hides rate drops while your payments stay high
- RateGuard provides continuous oversight
- Alerts you when “set and forget” starts costing you money
If You're Thinking Ahead
Get Bank Ready for What's Next
- Today’s debt impacts tomorrow’s rates
- RateGuard identifies lower payments now
- Improves debt-to-income for better future terms
Trusted Protection
Get Protected Before Losses Compound
RateGuard automatically monitors your rates & payments 24/7, protecting
you from costly overpayments before they add up.
"RateGuard caught 3 overpayments
the day I enrolled. I would've missed
them completely."
$1,347 in overpayments avoided
Mark T. - Dallas, TX
Verified RateGuard Member
"I've already resolved 5 overpayments
since enrolling. It's refreshing not
worrying about rates anymore"
$1,913 in overpayments avoided
Sarah L. - Tampa, FL
Verified RateGuard Member
Pricing
Choose Your Monitoring & Protection Level
Start free in minutes. Upgrade anytime for maximum protection from fun rising rates
RateGuard Free
Standard Rate Monitoring & Protection
$0 /month
Free forever
Daily rate monitoring with Standard Risk Alerts
+ monthly credit refresh
Overpayment scan + Immediate risk results- Standard rate alert thresholds included
- Credit data refresh every 30 days
Everything you need to start monitoring and protecting your loan & credit card accounts
No Credit Card Required
No Harm to Credit
RateGuard Plus
Priority Rate Monitoring & Protection
$99 /year
Full-Year Protection • Save $80
$14.95/monthly option • Cancel anytime
Daily rate monitoring with Priority Risk Alerts
+ daily credit refresh
- Overpayment scan + Immediate risk results
- Custom rate alert thresholds + advanced notifications
- Credit data refresh daily for faster detection
Ultimate protection with faster risk detection and fully personalized alerts across all our accounts
No Harm to Credit
Bank Level Security
Trusted Protection
Frequently Asked Questions
Everything you need to know about RateGuard monitoring, alerts,
and protection-so you can stay covered with confidence.
The RateGuard Protection Promise
RateGuard is built to help protect you from silent overpayment and missed rate changes. Here's what you can always expect:
Always-on monitoring across your loans and credit accountsRisk alerts when something changes—so nothing happens quietly in the backgroundNo credit score impact (soft monitoring only)Bank-level encryption and secure data practicesYou stay in full control—RateGuard provides guidance, you decide what to doThe goal is simple: help ensure you never keep overpaying just because you didn't know.
Scan Once. Stay Protected Forever
Find hidden overpayment today, then let RateGuard monitor 24/7
so losses never compound unnoticed
Free Scan. No credit impact. Monitoring stays on after.
No Credit Card Required
Bank-Level Security
Free forever monitoring