LoanCompass

Use LoanCompass from Claude or the terminal

You can run your ledger by asking. Tell Claude “record a 200 payment from John on the car loan” or “any payments to confirm?” and it does it in your account, using a token you create and can revoke at any time. The same operations exist as a terminal command for scripts.

What it is

LoanCompass exposes everything you can do on the loan pages as a set of tools that Claude Code can call — add a person, record a loan or a repayment, move a loan to someone else, confirm a payment a borrower says they made, read what is due this month or when the money comes back. You describe the change in plain words; Claude looks up the right person and loan, confirms anything destructive, and reports the new balance.

Nothing leaves your account and no AI service is involved on our side. Claude runs on your machine and calls LoanCompass exactly as the app itself does, signed with a personal access token that belongs to you alone.

Step 1 — Create a personal access token

  1. Open Profile → Security → API tokens.
  2. Give it a name that says where it lives — “Claude on my laptop” — and press Create token.
  3. Copy it now. It starts with lcp_ and is shown once; afterwards only its first few characters are listed.

What a token can and cannot do

  • It can read and change your ledger: people, loans, repayments, charges, the inbox.
  • It cannot change your password, delete your account, or create, list or revoke tokens. Those need you signed in to the app.
  • Revoke it from the same card. Anything still using it stops working immediately.

Step 2 — Install and sign in

The tool ships inside the LoanCompass repository. From a checkout, build it once and store your token:

pnpm install && pnpm build
node apps/cli/dist/cli.js login --token lcp_… --api-url https://<your API origin>

The token is saved to a config file in your home directory that only your user can read. If you would rather not store it, set LOANCOMPASS_TOKEN and LOANCOMPASS_API_URL in the environment instead — they take precedence over the file. loancompass logout forgets the stored token; revoke it in the app as well if the machine changes hands.

Step 3 — Connect Claude Code

The repository includes an MCP configuration, so opening Claude Code inside it offers the loancompass server on first use — approve it and you are done. To use it from any other folder, register it once for your user:

claude mcp add --scope user loancompass -- node /path/to/apps/cli/dist/mcp.js

Then just talk. Claude resolves names to the right person and loan, asks when a name matches more than one, and always checks with you before deleting anything, moving a loan, or accepting a payment claim — accepting records a real repayment.

Things you can say

Recording

  • “Record a 200 payment from John on the car loan.”
  • “John paid 150 last Friday, note it as cash.”
  • “Add a 50 late fee to Maria’s laptop loan.”

People and loans

  • “Add Maria Cruz, maria@example.com.”
  • “Lend Maria 1,200 from today, 12 months diminishing balance at 1.5%.”
  • “Move the laptop loan to Maria.” · “Delete that duplicate repayment.”

Inbox

  • “Any payments to confirm?” — then accept or reject each claim.
  • “Who has asked me for a loan?” — approve to create the loan, or reject.

Insight

  • “Who still owes me this month?” · “What’s overdue?”
  • “When do I get my money back?” · “How is lending going this year?”

The other side

  • “What do I owe?” · “Tell Maria I paid 300 today.”
  • “Track the loan I owe Maria in my own book.” — Claude copies its terms and what you have repaid so far into your ledger as a loan from you.

CLI cheat sheet

Every tool Claude uses is also a command. Ids come from the list commands; names can be searched instead of typed exactly.

loancompass whoami
loancompass borrowers list --search maria
loancompass loans list --search car
loancompass repayments add <loanId> --amount 200
loancompass loans update <loanId> --borrower <personId>   # move a loan
loancompass proposals list
loancompass proposals accept <loanId> <proposalId>
loancompass requests list
loancompass requests approve <requestId>
loancompass this-month
loancompass forecast --months 6
loancompass borrowed list                                  # what you owe

# Add --json to any command for machine-readable output.
# Deletes refuse to run without --yes.

Safety

A token is a key to your ledger. If one leaks, revoke it from Profile → Security and create a new one; tokens are stored hashed on the server, so a copy of the database does not reveal them. Claude Code asks your permission before each tool it has not been allowed yet, and the tools that delete or move money are marked so it asks even when you have allowed the rest.

Keep reading

Stop recalculating this by hand

LoanCompass keeps the schedule, the repayments and the running balance for every loan you have made, so the figures on this page stay current without you rebuilding them. It is free while in early access, and no money moves through it.

Create a free accountSee how it works