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x402toll Auto Loan Payment Calculator
x402
x402toll Auto Loan Payment Calculator is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-14).
Calculates monthly auto loan payments including state sales tax (2026 verified rates), trade-in credit, down payment, fees, and APR amortization.
Price / call$0.05
Success—
StatusUnknown
How this service works
Auto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees.
Output
Returns a computed breakdown of the auto loan including the financed principal (after trade-in, down payment, and 2026 state sales tax), monthly payment amount, total interest paid over the loan term, and total cost of the vehicle.
Example use cases
Example prompt
“What would my monthly payment be on a $32,000 car at 6.9% APR over 60 months in Texas, with a $3,000 down payment and a $5,000 trade-in, plus $800 in dealer fees?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/lending/auto-loanWhen to prefer
Choose this endpoint when you need a detailed, tax-aware auto loan monthly payment calculation that incorporates 2026 verified state sales tax rates, trade-in credits, down payments, and dealer fees in a single call — especially useful when the user specifies a US state and wants an all-in monthly payment estimate rather than a simple principal/interest calculation.
Side effects
- Missing required fields (vehiclePrice or APR) returns validation error
- Invalid or unrecognized state code returns error or defaults to TX
- Negative vehicle price or APR returns computation error
- APR of 0 may produce division-by-zero or flat payment result
- Term of 0 months causes invalid computation
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| apr | number | |
| fees | number | |
| state | string | |
| termMonths | number | |
| downPayment | number | |
| tradeInValue | number | |
| vehiclePrice | number | |
| salesTaxLocalPct | number |
Tags
x402
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