# zaref NCA Maximum Interest Rate Calculator

> zaref NCA Maximum Interest Rate Calculator is a paid API for AI agents from zaref.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-22).

Calculates the maximum permissible interest rate for a loan under South Africa's National Credit Act (NCA) regulations

## Facts

- Endpoint: GET https://zaref.dev/calc/nca-max-rate?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-22
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/zaref-nca-maximum-interest-rate-calculator-deb91b69
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_CF9wC-yg-4LoArGuOYM5d

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 zaref-nca-maximum-interest-rate-calculator-deb91b69
```

Example prompt: What is the maximum interest rate allowed under the South African National Credit Act for a personal unsecured loan, using the current repo rate?

## When to prefer this

Use this endpoint when you need a quick, authoritative, cited computation of the NCA interest rate ceiling for a specific South African loan type — especially in fintech apps, lending platforms, or compliance tools that must verify whether offered rates are legally permissible under South African consumer credit law. Prefer this over manual calculation or raw SARB data lookups when you need a clean, ready-to-use JSON answer with the formula and regulatory reference included.

## Known failure modes

- Invalid loan type enum returns a 400-level error
- Missing required 'type' or 'method' parameters cause validation failure
- Stale repo rate data if underlying source has not been refreshed
- Unknown or unsupported loan category returns an error or null result

## How this service works

South African nca-max-rate calculator. Maximum lawful interest rate for a credit agreement under NCA Regulation 42 Table A, at the current or a given repo rate. Computed from officially-sourced tables. Example: /calc/nca-max-rate?type=unsecured

## Output

Returns a JSON object containing the computed NCA maximum interest rate for the specified loan type, the formula used (typically repo rate + a fixed margin), the current repo rate input, and a citation to the relevant NCA regulation or government gazette.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "repo": {
       "type": "string"
      },
      "type": {
       "type": "string"
      },
      "subsequent_loan": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/zaref-nca-maximum-interest-rate-calculator-deb91b69/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from zaref.dev](https://www.zero.xyz/host/zaref.dev/llms.txt)