# x402toll Loan Offer Comparator

> 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.

## Facts

- Endpoint: POST https://x402toll.com/v1/lending/compare
- 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-loan-offer-comparator-8b2c8c00
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DuvdCRY4CBq3_nSuFSkIj

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-loan-offer-comparator-8b2c8c00 -d '<json body>'
```

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.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "offers": {
   "type": "array",
   "items": {
    "type": "object",
    "required": [
     "loanAmount",
     "apr",
     "termMonths"
    ],
    "properties": {
     "apr": {
      "type": "number"
     },
     "fees": {
      "type": "number"
     },
     "name": {
      "type": "string"
     },
     "loanAmount": {
      "type": "number"
     },
     "termMonths": {
      "type": "number"
     }
    }
   },
   "maxItems": 6,
   "minItems": 2
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402toll-loan-offer-comparator-8b2c8c00/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)