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x402toll Loan Offer Comparator
x402
x402toll Loan Offer Comparator 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).
Compares 2–6 loan offers by true total cost (principal payments + fees) and ranks them from cheapest to most expensive.
Price / call$0.05
Success—
StatusUnknown
How this service works
Compare 2–6 loan offers by true total cost (payments + fees) and rank them.
Output
A ranked list of the submitted loan offers ordered by true total cost (sum of all monthly payments plus any fees), with the total cost figure for each offer so the user can see the exact dollar difference between options.
Example use cases
Example prompt
“I've got three personal loan offers and want to know which is truly the cheapest: Lender A offers $10,000 at 7.9% APR for 36 months with a $200 origination fee, Lender B offers $10,000 at 6.5% APR for 48 months with a $400 fee, and Lender C offers $10,000 at 8.5% APR for 24 months with no fees — rank them by total cost.”
Technical details
Endpoint
POSThttps://x402toll.com/v1/lending/compareWhen to prefer
Use this endpoint when a user has multiple concrete loan offers with known APR, term, and fee details and wants an objective ranking by total repayment cost rather than just comparing APR in isolation. Ideal when fees vary across offers and distort the APR comparison. Prefer over manual calculation or generic financial advice when up to 6 offers need to be ranked simultaneously.
Side effects
- Fewer than 2 offers submitted — endpoint requires a minimum of 2 to compare
- More than 6 offers submitted — array exceeds maxItems limit
- Missing required fields (loanAmount, apr, or termMonths) on any offer object — validation error
- Non-numeric values for numeric fields like APR or term — schema validation failure
- Negative or zero loan amount or term — may return error or nonsensical result
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| offers | array |
Tags
x402
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