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Saylor Innovations Loan Comparison
x402
Saylor Innovations Loan Comparison is a paid API for AI agents from saylorinnovations.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-30).
Compares two loan offers side-by-side, returning monthly payments, total interest, upfront fees, break-even month, and cost over a user-specified holding period
Price / call$0.01
Success—
StatusUnknown
How this service works
Compare two loan offers - payment, total interest, upfront fees, cheaper loan over the full term, break-even month and cost over your holding period
Output
Returns a structured JSON object with details for each loan including monthly payment, total interest, upfront fees, and total cost; a break-even month indicating when the lower-fee loan becomes cheaper; a holding-period analysis showing cost for each loan over the specified months and which is cheaper; and a note providing context on how to interpret the results.
Example use cases
Mortgage refinance decision with holding period
“I have two refi offers: Loan A is $320,000 at 5.9% for 360 months with $6,500 in points, and Loan B is $320,000 at 6.4% for 360 months with zero fees. I plan to stay in the house for 60 months — which is cheaper over that period and when do I break even?”
15-year vs 30-year mortgage comparison
“Help me compare a $500,000 mortgage at 6.0% over 180 months versus the same $500,000 at 6.75% over 360 months — show me the monthly payments, total interest, and which one costs less over the full term.”
Personal loan offer comparison with upfront fees
“I got two personal loan offers — one is $25,000 at 9.5% for 60 months with a $750 origination fee, and the other is $25,000 at 10.2% for 60 months with no fees. Which one is actually cheaper in total?”
Technical details
Endpoint
GEThttps://saylorinnovations.com/api/finance/loan-comparison?utm_source=zero.xyzWhen to prefer
Use this endpoint when a user needs to directly compare two specific loan offers with different principals, rates, terms, or fee structures — especially when they have a defined holding period and want to know the break-even month. Prefer this over generic mortgage calculators when the user has two concrete competing offers and needs a side-by-side cost analysis rather than just a single loan amortization.
Side effects
- Missing required parameters (a_principal, a_apr, a_term_months, b_principal, b_apr, b_term_months) returns an error
- Non-numeric values for financial fields may cause parsing errors
- APR or term values of zero may produce division errors or nonsensical results
- Negative principal or fee values may produce invalid calculations
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Tags
x402
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