# agent402.tools Loan Comparison

> agent402.tools Loan Comparison is a paid API for AI agents from agent402.tools, paid per call via x402, $0.006/call, status unknown (last checked 2026-09-14).

Compares two or more loan offers across key financial metrics including monthly payment, total interest paid, year-1 equity build, and NPV at a given discount rate

## Facts

- Endpoint: POST https://agent402.tools/api/skill/loan-comparison
- Price: $0.006/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agent402-tools-loan-comparison-04fe6110
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_vHPxpB_cf0TXcpQ0dc9EU

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agent402-tools-loan-comparison-04fe6110 -d '<json body>'
```

Example prompt: Compare these two mortgage offers for me: Loan A is $300,000 at 6.5% for 30 years, and Loan B is $300,000 at 6.0% for 15 years — which one is better on monthly payment, total interest, and how fast I build equity in year one?

## When to prefer this

Use this endpoint when a user wants a side-by-side financial analysis of two or more specific loan offers with concrete numbers, especially when they need to compare across multiple dimensions (payment, interest, equity, NPV) rather than just a single metric. Prefer this over generic calculators when the user has actual loan offer details in hand.

## Known failure modes

- Missing loanA or loanB fields returns a validation error
- Malformed loan description strings (e.g. missing rate or term) may cause parsing failures
- Ambiguous fee or prepayment structures may not be parsed correctly from free-text input
- Payment failure or insufficient USDC balance returns a 402 error

## How this service works

Bundled execution of the Loan comparison workflow - Compare two or more loan offers - different rates, terms, fees, prepayment structures - on the metrics that actually matter (monthly payment, total interest, year-1 equity build, NPV at your discount rate, effective rate). Apples-to-apples math without opening a spreadsheet. One x402 payment runs 5 underlying tools (loan-payment, amortization, compound-interest, npv, irr); partial-success per step.

## Output

A structured comparison of both loan offers covering monthly payment amounts, total interest paid over the life of each loan, equity built in the first year, net present value at the user's discount rate, and a summary of which loan wins on each metric.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "loanA": {
   "type": "string",
   "description": "First loan offer (e.g. \"$300,000 at 6.5% for 30 years\")"
  },
  "loanB": {
   "type": "string",
   "description": "Second loan offer (e.g. \"$300,000 at 6.0% for 15 years\")"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "args": {
   "loanA": "$300,000 at 6.5% for 30 years",
   "loanB": "$300,000 at 6.0% for 15 years"
  },
  "pack": "loan-comparison",
  "steps": [
   {
    "ok": true,
    "slug": "loan-payment",
    "result": {}
   },
   {
    "ok": true,
    "slug": "amortization",
    "result": {}
   },
   {
    "ok": true,
    "slug": "compound-interest",
    "result": {}
   },
   {
    "ok": true,
    "slug": "npv",
    "result": {}
   },
   {
    "ok": true,
    "slug": "irr",
    "result": {}
   }
  ],
  "summary": "5/5 steps succeeded"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agent402-tools-loan-comparison-04fe6110/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agent402.tools](https://www.zero.xyz/host/agent402.tools/llms.txt)