> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usehence.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Find the rate on every debt I have

> What this errand covers, what Hence does in the pilot, and where it stops. Published ceiling: DONE.

<Warning>
  **Private beta.** While the execution layer is being finished, running errands is limited to
  accounts on the company domain; anyone else gets a structured refusal instead of a run. Nothing on
  this page is a promise that this errand runs for your account today.
</Warning>

## What this errand is for

Get the real interest rate, balance and minimum on every debt you owe — the numbers a payoff plan needs and almost nobody has written down.

## What Hence does in the pilot

1. List every debt you owe — one row each, balance and minimum payment only.
2. Fill in the rate for each debt from its statement or online account.
3. Check the two things a rate on a page does not tell you.
4. Take the finished list to a payoff order.

Part of the errand, but not something Hence does for you here:

* Call for any rate you still could not find, and get it confirmed out loud.

## What you approve, and what you get

Nothing in this pilot is submitted on your behalf: every step reads, drafts or asks.

What comes back:

* The debt list as rows, one per debt, with creditor, kind, balance and minimum.
* A screenshot per servicer of the statement page the rate was read from.
* Promo end date and fixed-or-variable, per row, with the page they came from.
* The completed list, handed back.

Screenshots and documents are referenced by the task rather than pasted into your assistant's transcript.

## Intents

The ways of asking that reach this errand:

* find the interest rate on every debt I have
* gather my APRs, balances and minimums
* what am I paying on my debts
* what order should I pay my debts in

## Admission

Before it starts, it asks:

> This is a gathering job, and it is the right one for most people with a few balances. Four situations make it the wrong one this week. Any of these you?

Say yes to any of these and it refuses:

* I am being sued over one of these debts.
* I cannot cover this month's minimum payments.
* EVERY debt I have is in collections or charged off.
* These are my business's debts, not mine personally.

Hard stops it will not work around:

* An active debt lawsuit — that has a court date and beats this errand.
* The household cannot cover this month's minimums.
* The debts belong to a business rather than to a person.

## Required inputs

What it asks you for:

* **Date the promotional rate ends** — a date, required.

What it reads off the account pages instead of asking:

* **Balance you owe** — an amount, optional, one per row.
* **Who you owe** — text, optional, one per row.
* **What kind of debt** — one of a fixed list, optional, one per row.
* **Last 4 digits** — text, optional, one per row.
* **Minimum payment** — an amount, optional, one per row.
* **Promo rate ends** — a date, optional, one per row.
* **Interest rate (APR)** — a rate, optional, one per row.
* **Fixed or variable** — one of a fixed list, optional, one per row.
* **Where this row stands** — one of a fixed list, optional, one per row.

## Published ceiling

**DONE.**

The ceiling is the furthest outcome state this errand may reach. It is enforced in the runtime rather than advisory — see [the four outcome states](/start-here/outcome-states).

## Blockers and instruments

Nothing this errand needs is missing.

## Jurisdiction

United States.

## Freshness

The procedure behind this errand was last verified on 2026-09-11.