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x402toll True APR Calculator (Reg Z / TILA)
x402
x402toll True APR Calculator (Reg Z / TILA) is a paid API for AI agents from x402toll.com, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-15).
Computes the true Annual Percentage Rate (APR) under Regulation Z / TILA from a note rate plus financed fees, revealing the real cost of borrowing.
Price / call$0.05
Success—
StatusUnknown
How this service works
True APR (Reg Z / TILA) from the note rate plus financed fees — the real cost of borrowing.
Output
Returns the true APR as a percentage, calculated per Regulation Z / TILA methodology, reflecting the effective annual cost of the loan after accounting for the note rate and all financed fees rolled into the loan.
Example use cases
Example prompt
“What's the true Reg Z APR on a $350,000 loan over 360 months at a 6.75% note rate with $8,500 in financed fees?”
Technical details
Endpoint
POSThttps://x402toll.com/v1/lending/aprWhen to prefer
Use this endpoint when you need a precise, regulation-compliant APR figure (Reg Z / TILA) that accounts for financed fees — particularly for mortgage disclosures, loan comparisons, or any scenario where the note rate alone understates the true borrowing cost. Prefer this over generic interest-rate calculators when regulatory accuracy and fee inclusion matter.
Side effects
- Missing required fields (loanAmount, termMonths, noteRatePct) returns a 400 error
- Negative or zero loan amount or term returns a validation error
- Extremely high fee ratios relative to loan amount may produce edge-case APR values
- Network or payment failure returns a 402 or 5xx error
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| loanAmount | number | |
| termMonths | number | |
| noteRatePct | number | |
| feesFinanced | number |
Tags
x402
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