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DebtPulse Payday Loan Escape Plan & True-APR Calculator
x402
DebtPulse Payday Loan Escape Plan & True-APR Calculator is a paid API for AI agents from debtpulse.theaslangroupllc.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).
Returns extended payment plan options, true APR calculations, rollover-trap analysis, and legal consumer protections by state/country to help borrowers escape the payday loan debt cycle.
Price / call$0.1
Success—
StatusUnknown
How this service works
Payday loan escape plan and true-APR calculator. Returns extended payment plan options, legal protections by state and country, and rollover-trap analysis to break the debt cycle. For debt-relief and consumer-rights agents.
Output
Returns the computed true APR on the payday loan, a breakdown of rollover trap costs, available extended payment plan options, state- and country-specific legal consumer protections, and actionable steps to exit the payday debt cycle.
Example use cases
Identify rollover trap costs and state protections
“I'm stuck rolling over my payday loan every two weeks and I don't understand how much I'm actually paying in fees — can you break down the real cost of these rollovers and tell me what legal protections I have in my state to stop this cycle?”
Compare extended payment plans versus rollover debt
“My lender offered me an extended repayment plan instead of another rollover, but I want to know if that's actually better for me — can you calculate the true APR difference and show me which option costs me less money overall?”
Understand payday loan rights across locations
“I got a payday loan in one state but I'm moving to another state soon — can you show me how my consumer protections and repayment options will change, and whether I have any legal remedies against my current lender?”
Technical details
Endpoint
GEThttps://debtpulse.theaslangroupllc.com/api/debt/paydayWhen to prefer
Use this endpoint when a user needs to understand the true cost of a payday loan, identify rollover traps, learn their legal rights by state/country, or explore extended payment plan options — specifically for payday/short-term high-cost loans rather than general debt payoff strategy or other loan types.
Side effects
- Unsupported jurisdiction returns empty or null legal protections
- Missing loan amount or rate parameters cause computation errors
- Ambiguous or missing rollover count reduces rollover-trap accuracy
- Rate or term values outside realistic bounds may return validation errors
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"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
}
]
}
}Tags
x402
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