# AutoPulse Auto Financing Intelligence

> AutoPulse Auto Financing Intelligence is a paid API for AI agents from autopulse-navy.vercel.app, paid per call via x402, $0.12/call, status unknown (last checked 2026-09-13).

Returns car loan APR benchmarks by credit tier, dealer markup mechanics, and exact amortization calculations with support for US, UK, German, and Australian financing structures

## Facts

- Endpoint: GET https://autopulse-navy.vercel.app/api/auto/financing
- Price: $0.12/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/autopulse-auto-financing-intelligence-9d360aa3
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_NmsKsm2JH9p0FELDYjLAY

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 autopulse-auto-financing-intelligence-9d360aa3
```

Example prompt: What would my monthly payment be on a $28,000 car loan at 7.2% APR over 60 months in the US, and what APR range should someone with good credit realistically expect right now?

## When to prefer this

Use this endpoint when a user needs precise monthly payment calculations for a car loan, wants to understand current APR benchmarks by credit tier before visiting a dealer, needs to decode dealer financing markups, or is comparing international auto financing structures like UK PCP or German Ballonfinanzierung. Prefer this over generic financial calculators when automotive-specific context (credit tiers, dealer mechanics, country-specific balloon structures) is required.

## Known failure modes

- Missing required parameters (amount, APR, or term_months) returns a 400 error
- Invalid country code or unsupported financing structure returns an error
- APR or term values outside realistic bounds may return a validation error
- Payment required error (402) if x402 payment header is missing or insufficient

## How this service works

Car financing intelligence: current APR landscape by credit tier, dealer-markup mechanics, and deterministic amortization math. Country-aware structures: US standard loans, UK PCP, DE Ballonfinanzierung, AU balloon. Give amount+apr+term_months for an exact monthly payment.

## Output

Returns the exact monthly payment for given loan parameters, current APR ranges broken down by credit tier (excellent/good/fair/poor), dealer markup mechanics and typical spread, and country-specific financing structure details (US standard, UK PCP, DE Ballonfinanzierung, AU balloon loans)

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "apr": {
       "type": "string"
      },
      "lang": {
       "type": "string"
      },
      "amount": {
       "type": "string"
      },
      "country": {
       "type": "string"
      },
      "condition": {
       "type": "string"
      },
      "credit_tier": {
       "type": "string"
      },
      "term_months": {
       "type": "string"
      },
      "down_payment": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/autopulse-auto-financing-intelligence-9d360aa3/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from autopulse-navy.vercel.app](https://www.zero.xyz/host/autopulse-navy.vercel.app/llms.txt)