# Saylor Innovations Loan Comparison

> 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

## Facts

- Endpoint: GET https://saylorinnovations.com/api/finance/loan-comparison?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/saylor-innovations-loan-comparison-8a86c659
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3cDN2K_5bJz01xqWAPyM3

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 saylor-innovations-loan-comparison-8a86c659
```

Example prompt: Compare two mortgage offers for me: Loan A is $400,000 at 6.5% APR over 360 months with $8,000 in upfront fees, and Loan B is $400,000 at 7.0% APR over 360 months with no fees — I plan to keep the loan for 84 months, so tell me which is cheaper, the break-even month, and the cost over my holding period.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "a_principal",
      "a_apr",
      "a_term_months",
      "b_principal",
      "b_apr",
      "b_term_months"
     ],
     "properties": {
      "a_apr": {
       "type": "string",
       "description": "Loan A rate in percent"
      },
      "b_apr": {
       "type": "string",
       "description": "Loan B rate in percent"
      },
      "a_principal": {
       "type": "string",
       "description": "Loan A amount"
      },
      "b_principal": {
       "type": "string",
       "description": "Loan B amount"
      },
      "hold_months": {
       "type": "string",
       "description": "optional months you expect to keep the loan"
      },
      "a_term_months": {
       "type": "string",
       "description": "Loan A term in months"
      },
      "b_term_months": {
       "type": "string",
       "description": "Loan B term in months"
      },
      "a_upfront_fees": {
       "type": "string",
       "description": "optional Loan A fees and points"
      },
      "b_upfront_fees": {
       "type": "string",
       "description": "optional Loan B fees and points"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "required": [
      "loan_a",
      "loan_b"
     ],
     "properties": {
      "note": {
       "type": "string",
       "description": "Caveat or context for reading the result"
      },
      "loan_a": {
       "type": "object",
       "description": "Loan a"
      },
      "loan_b": {
       "type": "object",
       "description": "Loan b"
      },
      "source": {
       "type": "string",
       "description": "Data source the values come from"
      },
      "holding_period": {
       "type": [
        "object",
        "null"
       ],
       "properties": {
        "cost_a": {
         "type": [
          "number",
          "null"
         ],
         "description": "Cost a"
        },
      
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/saylor-innovations-loan-comparison-8a86c659/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from saylorinnovations.com](https://www.zero.xyz/host/saylorinnovations.com/llms.txt)