# DebtPulse Payday Loan Escape Plan & True-APR Calculator

> 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.

## Facts

- Endpoint: GET https://debtpulse.theaslangroupllc.com/api/debt/payday
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-payday-loan-escape-plan-true-apr-calculator-013f92cb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_p1Ltr2wsBYMevo2NJmbZe

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-true-apr-calculator-013f92cb
```

Example prompt: I took out a $500 payday loan in Texas at 400% APR and I've already rolled it over twice — can you calculate what this loan is actually costing me, show me my extended payment plan rights under Texas law, and give me an escape plan to break the cycle?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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-true-apr-calculator-013f92cb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.theaslangroupllc.com](https://www.zero.xyz/host/debtpulse.theaslangroupllc.com/llms.txt)