{"uid":"cap_3cDN2K_5bJz01xqWAPyM3","slug":"saylor-innovations-loan-comparison-8a86c659","name":"Saylor Innovations Loan Comparison","description":"Compare two loan offers - payment, total interest, upfront fees, cheaper loan over the full term, break-even month and cost over your holding period","url":"https://saylorinnovations.com/api/finance/loan-comparison?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"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","required":["a_principal","a_apr","a_term_months","b_principal","b_apr","b_term_months"],"properties":{"a_apr":{"type":"string","description":"Loan A rate in percent"},"b_apr":{"type":"string","description":"Loan B rate in percent"},"a_principal":{"type":"string","description":"Loan A amount"},"b_principal":{"type":"string","description":"Loan B amount"},"hold_months":{"type":"string","description":"optional months you expect to keep the loan"},"a_term_months":{"type":"string","description":"Loan A term in months"},"b_term_months":{"type":"string","description":"Loan B term in months"},"a_upfront_fees":{"type":"string","description":"optional Loan A fees and points"},"b_upfront_fees":{"type":"string","description":"optional Loan B fees and points"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string","const":"json"},"example":{"type":"object","required":["loan_a","loan_b"],"properties":{"note":{"type":"string","description":"Caveat or context for reading the result"},"loan_a":{"type":"object","description":"Loan a"},"loan_b":{"type":"object","description":"Loan b"},"source":{"type":"string","description":"Data source the values come from"},"holding_period":{"type":["object","null"],"properties":{"cost_a":{"type":["number","null"],"description":"Cost a"},"cost_b":{"type":["number","null"],"description":"Cost b"},"months":{"type":["number","null"],"description":"Number of months"},"cheaper":{"type":["string","null"],"description":"Cheaper loan over the holding period"}},"description":"Holding period"},"break_even_month":{"type":["number","null"],"description":"Break even month"},"lower_monthly_payment":{"type":"string","description":"Lower monthly payment"},"cheaper_over_full_term":{"type":"string","description":"Cheaper over full term"},"full_term_cost_difference":{"type":"number","description":"Full term cost difference"},"monthly_payment_difference":{"type":"number","description":"Monthly payment difference"}}}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","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":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm__yQu2u4cTqZ-VN1QoKN_r","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Compares two loan offers side-by-side, returning monthly payments, total interest, upfront fees, break-even month, and cost over a user-specified holding period","exampleAgentPrompt":"Compare two mortgage offers for me: Loan A is $400,000 at 6.5% APR over 360 months with $8,000 in upfront fees, and Loan B is $400,000 at 7.0% APR over 360 months with no fees — I plan to keep the loan for 84 months, so tell me which is cheaper, the break-even month, and the cost over my holding period.","exampleUseCases":[{"title":"Mortgage refinance decision with holding period","prompt":"I have two refi offers: Loan A is $320,000 at 5.9% for 360 months with $6,500 in points, and Loan B is $320,000 at 6.4% for 360 months with zero fees. I plan to stay in the house for 60 months — which is cheaper over that period and when do I break even?"},{"title":"15-year vs 30-year mortgage comparison","prompt":"Help me compare a $500,000 mortgage at 6.0% over 180 months versus the same $500,000 at 6.75% over 360 months — show me the monthly payments, total interest, and which one costs less over the full term."},{"title":"Personal loan offer comparison with upfront fees","prompt":"I got two personal loan offers — one is $25,000 at 9.5% for 60 months with a $750 origination fee, and the other is $25,000 at 10.2% for 60 months with no fees. Which one is actually cheaper in total?"}],"resultDescription":"Returns a structured JSON object with details for each loan including monthly payment, total interest, upfront fees, and total cost; a break-even month indicating when the lower-fee loan becomes cheaper; a holding-period analysis showing cost for each loan over the specified months and which is cheaper; and a note providing context on how to interpret the results.","failureModes":["Missing required parameters (a_principal, a_apr, a_term_months, b_principal, b_apr, b_term_months) returns an error","Non-numeric values for financial fields may cause parsing errors","APR or term values of zero may produce division errors or nonsensical results","Negative principal or fee values may produce invalid calculations"],"whenToPreferThis":"Use this endpoint when a user needs to directly compare two specific loan offers with different principals, rates, terms, or fee structures — especially when they have a defined holding period and want to know the break-even month. Prefer this over generic mortgage calculators when the user has two concrete competing offers and needs a side-by-side cost analysis rather than just a single loan amortization.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-30T00:39:34.869Z","isFirstParty":false,"canonicalSlug":"saylor-innovations-loan-comparison-8a86c659"}