{"uid":"cap_0HyHtfPMOP-5h3ZkNtshU","slug":"x402toll-true-apr-calculator-reg-z-tila-536f503f","name":"x402toll True APR Calculator (Reg Z / TILA)","description":"True APR (Reg Z / TILA) from the note rate plus financed fees — the real cost of borrowing.","url":"https://x402toll.com/v1/lending/apr","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"loanAmount":{"type":"number"},"termMonths":{"type":"number"},"noteRatePct":{"type":"number"},"feesFinanced":{"type":"number","default":0}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_saifVCOI9xJaeRYUChIhC","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes the true Annual Percentage Rate (APR) under Regulation Z / TILA from a note rate plus financed fees, revealing the real cost of borrowing.","exampleAgentPrompt":"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?","exampleUseCases":null,"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T12:32:43.853Z","isFirstParty":false}