# OmniAPI Loan Calculator

> OmniAPI Loan Calculator is a paid API for AI agents from omni-api-cyan.vercel.app, paid per call via x402, $0.094361/call, status unknown (last checked 2026-09-15).

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

## Facts

- Endpoint: POST https://omni-api-cyan.vercel.app/api/finance/loan/calc
- Price: $0.094361/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/omniapi-loan-calculator-d029e744
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_gHY97tBOa3l6pYtGhxO4z

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 omniapi-loan-calculator-d029e744 -d '<json body>'
```

Example prompt: Can you calculate my monthly payment and total interest for a $250,000 mortgage at 6.5% interest over 30 years?

## When to prefer this

Use this endpoint when you need quick loan payment calculations without integrating a full financial modeling library. Suitable for agents helping users evaluate loan affordability, compare loan terms, or understand total borrowing costs. Works well for mortgage, auto, and personal loan scenarios.

## Known failure modes

- Missing required query parameter returns error
- Invalid or non-numeric loan values may cause computation failure
- Extreme or unrealistic loan parameters may return unexpected results
- Payment gateway failure if USDC payment cannot be processed via x402

## How this service works

444 endpoints across 9+ chains. Crypto, AI, Social, Finance, Weather, Tools. Pay per call in USDC via x402 with 4 facilitators: Dexter, Meridian, FluxA, GoPlausible.

## Output

Returns computed loan figures including estimated monthly payment, total repayment amount, total interest paid, and possibly an amortization breakdown showing principal vs. interest per payment period.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "query"
 ],
 "properties": {
  "input": {
   "type": "string",
   "description": "Input data for the endpoint"
  },
  "query": {
   "type": "string",
   "description": "Search query or input text"
  },
  "params": {
   "type": "object",
   "description": "Additional parameters"
  }
 }
}
```

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/omniapi-loan-calculator-d029e744/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from omni-api-cyan.vercel.app](https://www.zero.xyz/host/omni-api-cyan.vercel.app/llms.txt)