# Ratifi - Contract Analyzer — Car Deals, Leases & Rentals > AI-powered contract analysis for clear understanding and negotiation. (iPhone/iPad app by Ratifi LLC.) - Source: https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826 (this page in markdown: same URL + `.md`) - Developer: [Ratifi LLC](https://appshunter.io/developer/1890364592) - Category: Finance, Utilities - Price: Free with in-app purchases - Rating: 5.00/5 from 6 App Store ratings · 4 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 50 MB - Languages: American English - Released: 2026-04-08 - Data updated: 2026-07-22 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826/reviews.md ## What is Ratifi? You just got handed a car deal. The payment looks fine. Is it? Snap a photo of the quote — or the contract — and Ratifi reads every number, checks the dealer's math against itself, and tells you in plain English what the deal really costs and exactly what to negotiate. Before you sign. Your first analysis is free. No subscription required. WHAT RATIFI ANALYZES • Dealer quotes and worksheets — before you're at the table • Vehicle purchase agreements • Vehicle leases WHAT YOU GET • A verdict, not just a score — is this deal fair, and why • True monthly cost and total cost over the life of the deal • Every figure cross-checked against your document's own math — see which numbers came straight off the page and which we calculated • Your rate compared against current market averages • Your price checked against real listings for the same vehicle • Line-by-line fee analysis — doc fees, add-ons, taxes • A negotiation checklist with specific dollar amounts • AI chat for follow-up questions TRY THE DEAL BEFORE YOU TAKE IT Open "What if the terms changed?" and move the levers — term, money down, rate — and watch the payment respond. Walk in knowing what 60 months at 5.9% actually does to your wallet. FROM QUOTE TO SIGNATURE Analyzed a quote? When the final contract arrives, Ratifi compares them line by line and flags anything that changed. The number that quietly moved between the worksheet and the paperwork is the one that costs you. HOW IT WORKS 1. Photo or PDF of your quote or contract 2. Ratifi reads every field and verifies the math 3. Get your verdict, costs, and negotiation plan in about a minute Spot a misread number? Tap it, fix it, and the entire analysis recomputes. Ratifi is an analysis tool, not legal or financial advice. ## Key features - AI-powered contract breakdown - Plain-English explanations - Hidden fee detection - True cost calculation - Negotiation tips - Risk score analysis - AI chat for follow-up questions ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | 5 Analysis Credits | $4.99 | one-time | | 1 Analysis Credit | $1.99 | one-time | | 3 Analysis Credits | $4.99 | one-time | ## Recent user reviews (4 of 4) All indexed reviews: https://appshunter.io/ios/app/ratifi-contract-analyzer/id6761587826/reviews.md ### 5/5 — Stellar! *2026-04-11* I’ve been using Ratifi to review contracts, and it’s been a game changer. The app breaks down complex legal language into clear, actionable insights, saving me time and giving me confidence in what I’m signing. It’s fast, intuitive, and incredibly useful whether you’re a business owner or just reviewing personal agreements. Highly recommend—this is one of those tools you don’t realize you need until you have it. ### 5/5 — Amazing app *2026-04-10* This app saved me so much money on my car loan and lease! Highly advise using ### 5/5 — Helpful *2026-04-10* It helped a lot with purchasing my new lease. ### 5/5 — Clever app *2026-04-08* Terrific use of AI. Do yourself a favor and scan before you sign! ## Frequently asked questions about Ratifi ### What types of contracts can Ratifi analyze? Ratifi can analyze car purchase agreements and vehicle leases. The platform is designed to break down the key financial components of these specific contract types. ### How does Ratifi ensure the security of my contract information? While specific security protocols are not detailed, the app focuses on providing AI-driven analysis. Users should always exercise caution when uploading sensitive financial documents to any application. ### Is Ratifi available on Android devices? Currently, Ratifi is supported on iPhone and iPod devices. Information regarding future Android availability has not been provided. ### What is the update frequency for Ratifi? The latest version, 2.0.0, was released on June 19, 2026, indicating active development. Previous updates are not detailed, but this suggests regular improvements. ### How does Ratifi's analysis compare to a human lawyer? Ratifi provides an AI-driven breakdown for quick understanding and negotiation points. For complex legal advice or disputes, consulting a qualified human lawyer is always recommended. ### Does Ratifi have ads? No, Ratifi does not contain advertisements. The application is free to use with no subscription required for its core analysis features. ### What is the age rating for Ratifi? Ratifi has an age rating of 4+, making it suitable for a wide range of users. This rating suggests the content is generally appropriate for all ages. ### What are the benefits of using Ratifi's risk score? The risk score provides a clear explanation of potential issues within your contract. It helps users understand the overall financial risk and highlights areas needing attention before signing. ## Version history (last 5 releases) ### 2.1.0 — 2026-07-18 Try the deal before you take it. This update makes "What if the terms changed?" work on real-world quotes — even the ones that don't print every number. • Model any quote. Dealer sheet missing the residual or rate? Add it with one tap and watch the payment come alive — change the term, money down, or rate and see exactly what moves. • See the whole cost, not just the payment. Stretching the loan makes the monthly smaller — and the total bigger. Ratifi now shows you both, so a "cheaper" deal can't hide what it costs over the full term. • Straight answers. When a quote doesn't print enough to recompute the payment, Ratifi tells you exactly which number to get from the dealer — no guesswork. Plus: leases now capture security deposits and program restrictions, and accuracy improvements across the board. ### 2.0.0 — 2026-06-19 Version 2.0 is here looking better than before. Not just a face lift but also significant improvements under the hood that result in greater accuracy all in a shorter time! ### 1.0.4 — 2026-05-10 • Faster signup — only the essentials are required up front; credit score, location, and income are now optional inputs. • Better email verification — tap the link in your email and you're signed in automatically. • More accurate contract analysis — improved benchmarking, smarter vehicle classification, and fairer fair-market-value comparisons for new vehicles. • Bug fixes and stability improvements. ### 1.0.3 — 2026-04-30 Bug fixes - Fixed: typing in the "Additional Context" field after uploading a contract no longer traps the user — the Analyze and Skip buttons now sit above the keyboard, tapping outside the input drops the keyboard, and the back arrow always works. - Fixed: the analysis chat is easier to exit while the keyboard is open — back button has a larger touch target, an X button was added on the right side of the header, and tapping a quick-action chip with the keyboard up no longer eats the tap. Improvements - The app now revalidates your session whenever it returns from background, and signs you out cleanly if your token has expired. - On the sample analysis, the "upgrade" banner now sends you straight to the Scan tab instead of the paywall. ### 1.0.2 — 2026-04-15 First analysis free for new users. 5-credit pack now on sale. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-22.*