# DebtPulse Payday Loan Escape Plan

> DebtPulse Payday Loan Escape Plan is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-13).

Analyzes payday loans to return true APR, extended payment plans, legal options, and rollover-trap analysis for escaping high-cost debt cycles

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/payday
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-payday-loan-escape-plan-2cb1b3bb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_6_hnvMX3ExVdE_E5-8ekk

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 debtpulse-payday-loan-escape-plan-2cb1b3bb
```

Example prompt: I took out a $500 payday loan with a $75 fee due in 14 days from a lender in Texas — can you calculate the true APR, check if I'm in a rollover trap, and tell me what extended payment plans or legal options I have to get out of it?

## When to prefer this

Choose this endpoint when a user is specifically trapped in or evaluating a payday loan and needs true cost analysis, rollover risk detection, and jurisdiction-specific exit strategies. Prefer over generic debt endpoints when the debt type is explicitly payday or short-term high-cost lending.

## Known failure modes

- Missing loan principal or fee details — returns error requiring input parameters
- Unrecognized jurisdiction — may return generic federal guidance without state-specific options
- Lender not in database — rollover trap analysis may be limited to generic patterns
- Invalid loan term or repayment date — calculation error returned

## How this service works

Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.

## Output

Returns the true annualized APR of the payday loan, analysis of rollover-trap risk, available extended payment plan options, and legal remedies or consumer-rights protections applicable to the borrower's jurisdiction, helping the user exit high-cost debt cycles.

## 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": {
      "action": {
       "type": "string",
       "description": "compare | risks | credit-impact | dispute | default-options"
      }
     }
    }
   },
   "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": {
  "action": "compare",
  "risk_warning": "BNPL can lead to overspending — not reported to bureaus but may be soon",
  "top_providers": [
   {
    "name": "Klarna",
    "late_fee": 7,
    "interest_free_days": 30
   },
   {
    "name": "Afterpay",
    "late_fee": 8,
    "interest_free_days": 56
   }
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-payday-loan-escape-plan-2cb1b3bb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)