Lorica analyzes your income — whether it arrives weekly, bi-weekly, monthly, or project by project — and builds a payoff strategy that actually fits your life.
No spam. Just launch updates. Unsubscribe anytime.
Lorica does the analysis. You stay in control.
Securely link your bank and credit cards using bank-level encryption. Lorica reads your data — it never moves your money without your explicit authorization.
We analyze your income patterns, pay frequency, and debt balances to build a personalized payoff plan — avalanche, snowball, or hybrid — that fits how you actually earn.
Set your rules once. Lorica automatically routes the right amount to the right creditor at the right time — every pay period, no matter how irregular your income is.
Most debt apps assume you get a salary twice a month. Lorica was designed from the ground up for real income — in all its forms.
Six core features built to work together — from your first debt snapshot to your final payment.
A clear snapshot of every balance, APR, and minimum payment — organized by payoff priority.
Avalanche, snowball, or hybrid — choose your strategy or let Lorica recommend the fastest path.
Payments flex with your income timing — whether you're paid weekly, monthly, or project by project.
Set your rules once. Lorica handles the payments automatically — every pay period, on time, every time.
Track your score progress as your debt decreases — with plain-English explanations of every change.
Vetted referrals to consolidation, counseling, and legal services when Lorica isn't the right fit.
We're actively building Lorica and your input directly influences what ships first. Tell us what would make the biggest difference in your financial life.
Lorica is built on the same security standards trusted by banks and fintech leaders. We collect only what we need — and we never sell it.
All data is encrypted in transit using TLS 1.3 and at rest using AES-256 — the same standard used by major financial institutions.
Lorica connects to your accounts through Plaid's secure API in read-only mode. We analyze your data — we never initiate transactions without your explicit consent.
Your financial information is used exclusively to power your payoff strategy. It is never sold, shared with advertisers, or used for purposes outside our Privacy Policy.
Every authorization is independently revocable. Pause, adjust, or disconnect at any time — no penalties, no lock-in.
Our privacy practices are designed in alignment with the California Consumer Privacy Act and the Gramm-Leach-Bliley Act's Safeguards Rule.
Multi-factor authentication is required across all internal systems. Least-privilege access controls ensure your data is accessible only to the systems that need it.
Join the waitlist and be among the first to access Lorica
when we launch.
No spam. No credit card. Just launch updates.
We read every message. Use this form for general inquiries — for feature requests, use the button in the Features section above.
Join via the waitlist form above or at the top of the page — you'll get launch updates and early access before anyone else.