Option A: ChatGPT: process terms, no credit decisions
Best when: You want process terms, not a verdict.
What it does: ChatGPT drafts; you check no credit decision slipped in.
Strong at: Writes, rewrites and summarises text.
Limit: Free plan limits file uploads, so paste text instead.
Free plan: Yes, limited (images, voice, file uploads)
Option B: Claude: drafts the agreement, lists gaps
Best when: You want disputed choices left open.
What it does: Claude drafts and lists gaps; you check and choose terms.
Strong at: Drafts and edits text; summarises documents.
Limit: Usage is capped in 5-hour and weekly windows.
Free plan: Yes, limited (usage capped in 5-hour and weekly windows)
Option C: ChatGPT drafts, Grammarly polishes wording
Best when: You want polished wording on a checked draft.
What it does: ChatGPT drafts; Grammarly only polishes; you check every line.
Strong at: Fixes grammar, tone and clarity.
Limit: Free plan covers basic corrections.
Free plan: ChatGPT: Yes; Grammarly: limited (100 AI prompts per month)