# ApexAPI Loan Calculator

> ApexAPI Loan Calculator is a paid API for AI agents from apex-api-gamma.vercel.app, paid per call via x402, $0.165306/call, status unknown (last checked 2026-10-29).

Calculates loan payment schedules, interest, and amortization details based on loan parameters

## Facts

- Endpoint: POST https://apex-api-gamma.vercel.app/api/finance/loan/calc?utm_source=zero.xyz
- Price: $0.165306/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/apexapi-loan-calculator-216f47ab
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_aWAmTvstxfljyfgTncqhN

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 apexapi-loan-calculator-216f47ab -d '<json body>'
```

Example prompt: Can you calculate the monthly payment and total interest on a $250,000 home loan at 6.75% annual interest over 30 years?

## When to prefer this

Use this endpoint when you need on-demand loan payment calculations without setting up API keys, and are willing to pay per call in USDC. Best for agents embedded in financial planning or mortgage workflows that need quick amortization math without integrating a full banking SDK.

## Known failure modes

- Missing required loan parameters such as amount, rate, or term result in an error response
- Invalid or negative numeric values for loan fields may cause calculation errors
- Malformed query string input returns a generic API error
- Payment gateway failure for the $0.165 USDC per-call fee results in 402 response before calculation occurs

## How this service works

Crypto, AI, Social Media, Finance, Weather, Tools &amp; more. Pay per call in USDC on Base. No API keys.

## Output

Returns computed loan metrics including monthly payment amount, total interest paid over the life of the loan, total repayment amount, and potentially an amortization schedule broken down by period.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "query": {
   "type": "string",
   "description": "Search query or input parameter"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "description": "API response data"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/apexapi-loan-calculator-216f47ab/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from apex-api-gamma.vercel.app](https://www.zero.xyz/host/apex-api-gamma.vercel.app/llms.txt)