Review your promissory note before signing. Fast, expert identification of interest rate issues, payment schedule concerns, and default provisions.
Free and no sign-up required.
Federal only
Your data is protected at every layer
No file selected
Guest uploads are automatically deleted within 24 hours
Understand interest rate and calculation method
Review payment schedule and prepayment rights
Know default triggers and acceleration provisions
Verify security interests and personal guarantees
Average Review Time
Compliance Checks
Document Security
Justee's promissory note review tool analyzes loan documents for interest fairness, payment flexibility, default reasonableness, and security appropriateness. The AI identifies risks including high interest rates, restrictive prepayment terms, hair-trigger defaults, and excessive security. Justee provides suggested revisions based on lending standards. Promissory notes are written promises to repay borrowed money under specified terms. They define principal, interest, payment schedules, and default consequences. Common issues include interest rates that exceed usury limits, prepayment penalties that discourage early repayment, and default provisions that trigger on minor issues.
Upload your contract in PDF, DOCX, or TXT format
Our AI reviews your document for compliance issues
Get detailed findings with risk ratings and legal citations
Use our suggestions to improve your document
Upload Document
Upload your contract in PDF, DOCX, or TXT format
AI Analysis
Our AI reviews for compliance issues and risks
Review Findings
See detailed findings with risk ratings and citations
Take Action
Use suggestions to improve your document
Free Promissory Note Comparison • No Sign-up Required • Results in Minutes
Review interest terms
Analyze payment schedule
Check prepayment rights
Evaluate default triggers
Identify security interests
High interest rate
Prepayment penalties
Hair-trigger defaults
Excessive security
Personal guarantee
Review interest terms
Analyze payment schedule
Check prepayment rights
Evaluate default triggers
Identify security interests
Powered by Justee AI • Free Promissory Note Analysis
Justee recently analyzed their promissory note for a $100,000 bridge loan for a small business borrowing from an angel investor in Richmond, VA.
Issue Found: The note included a confession of judgment clause, allowing the lender to obtain a court judgment without notice or hearing if any payment was late. This waives fundamental due process rights.
Justee Recommendation: We removed the confession of judgment (which is unenforceable in many states anyway), added a 10-day cure period for late payments, and required written notice before acceleration.
"Maker hereby authorizes any attorney to appear in any court and confess judgment against Maker for the unpaid balance, plus costs, without notice."
"Upon default, Lender shall provide written notice to Maker. Maker shall have 10 business days to cure any monetary default. If default is not cured, Lender may accelerate the Note and pursue remedies available at law."
Why it matters: Confession of judgment clauses waive your right to defend yourself in court. They're unconscionable and unenforceable in many states. Never sign a note with this provision.
Partner, Corporate Transactions at Grayver Law Group
| Feature | Justee AI Review | Manual Review |
|---|---|---|
| Review Time | 2-5 minutes | 2-4 hours |
| Cost | Free trial available | $150-500+ |
| Legal Citations | Automatic | Varies by reviewer |
| Clause Suggestions | Included | Extra fee |
| Availability | 24/7 instant | Business hours |
Feature
Justee AI
Manual Review
Review Speed
2-5 minutes
2-4 hours
Cost per Document
Free trial
$150-500+
Legal Citations
Clause Suggestions
24/7 Availability
Justee AI Promissory Note Analysis
CFPB debt resources
SBA loan programs
Small business financing options
Not Legal Advice: The information and analysis provided by Justee AI is for general informational purposes only and does not constitute legal advice. While we strive to provide accurate and helpful information, our AI-powered service is not a substitute for professional legal counsel.
No Attorney-Client Relationship: Use of Justee AI does not create an attorney-client relationship. Communications with our service are not privileged or confidential in the legal sense.
Consult a Professional: For specific legal matters, we strongly recommend consulting with a qualified attorney licensed in your jurisdiction. Legal requirements vary by location and circumstances, and only a licensed attorney can provide advice tailored to your specific situation.
Performance Estimates (*): All statistics, metrics, and numerical claims on this page — including review times, cost comparisons, accuracy percentages, and database size — are estimates based on internal testing, industry research, and typical use cases. Actual results vary based on document type, complexity, length, jurisdiction, and other factors. Cost comparisons reference publicly available average attorney rates and are not guaranteed savings. "1M+ laws and regulations" refers to the breadth of Justee's reference database and does not imply that every provision is checked against every law for every document.
By using our service, you acknowledge that you have read and agree to our Terms of Use and understand the limitations of AI-powered legal analysis. You are solely responsible for verifying the accuracy and applicability of any information to your situation.
Upload your document above to get started. No sign-up required.
Need more reviews? Create a free account
Last updated: May 13, 2026
© 2026 Justee. All rights reserved.
