# x402toll Auto Loan Payment Calculator

> 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.

## Facts

- Endpoint: POST https://x402toll.com/v1/lending/auto-loan
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402toll-auto-loan-payment-calculator-01983cae
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_t_3zbCaEGae0UgBpz51kj

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 x402toll-auto-loan-payment-calculator-01983cae -d '<json body>'
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "apr": {
   "type": "number"
  },
  "fees": {
   "type": "number",
   "default": 0
  },
  "state": {
   "type": "string",
   "default": "TX"
  },
  "termMonths": {
   "type": "number",
   "default": 60
  },
  "downPayment": {
   "type": "number",
   "default": 0
  },
  "tradeInValue": {
   "type": "number",
   "default": 0
  },
  "vehiclePrice": {
   "type": "number"
  },
  "salesTaxLocalPct": {
   "type": "number",
   "default": 0
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-auto-loan-payment-calculator-01983cae/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402toll.com](https://www.zero.xyz/host/x402toll.com/llms.txt)