{"uid":"cap_6_hnvMX3ExVdE_E5-8ekk","slug":"debtpulse-payday-loan-escape-plan-2cb1b3bb","name":"DebtPulse Payday Loan Escape Plan","description":"Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.","url":"https://debtpulse.vercel.app/api/debt/payday","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","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"action":{"type":"string","description":"compare | risks | credit-impact | dispute | default-options"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"errors":{"type":"object","description":"Documented error responses, keyed by HTTP status code","additionalProperties":{"type":"object","required":["description"],"properties":{"example":{"type":"object"},"description":{"type":"string"}}}},"example":{"type":"object"}}}}},"responseSchema":{"type":"json","example":{"action":"compare","risk_warning":"BNPL can lead to overspending — not reported to bureaus but may be soon","top_providers":[{"name":"Klarna","late_fee":7,"interest_free_days":30},{"name":"Afterpay","late_fee":8,"interest_free_days":56}]}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","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":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_8H3sQmn3powLrMREgdmxH","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Analyzes payday loans to return true APR, extended payment plans, legal options, and rollover-trap analysis for escaping high-cost debt cycles","exampleAgentPrompt":"I took out a $500 payday loan with a $75 fee due in 14 days from a lender in Texas — can you calculate the true APR, check if I'm in a rollover trap, and tell me what extended payment plans or legal options I have to get out of it?","exampleUseCases":[{"title":"Payday loan true cost and rollover analysis","prompt":"I've been rolling over the same $300 payday loan for three months now and keep paying fees. Can you show me the real APR I'm actually paying, whether I'm stuck in a rollover trap, and what my options are to break out of it?"},{"title":"Emergency escape from predatory lending cycle","prompt":"I'm in Oklahoma and took out two payday loans totaling $800 with $200 in fees. I can't afford to pay them back on time and I'm worried about getting deeper in debt. What extended payment plans exist, and what legal protections does my state give me to get out of this?"},{"title":"Payday loan alternatives and jurisdiction guidance","prompt":"I'm considering a $600 payday loan in Florida but I've heard they're a trap. Before I sign anything, can you calculate what the real APR would be, show me if there are any legal alternatives available in my state, and help me understand the rollover risks?"}],"resultDescription":"Returns the true annualized APR of the payday loan, analysis of rollover-trap risk, available extended payment plan options, and legal remedies or consumer-rights protections applicable to the borrower's jurisdiction, helping the user exit high-cost debt cycles.","failureModes":["Missing loan principal or fee details — returns error requiring input parameters","Unrecognized jurisdiction — may return generic federal guidance without state-specific options","Lender not in database — rollover trap analysis may be limited to generic patterns","Invalid loan term or repayment date — calculation error returned"],"whenToPreferThis":"Choose this endpoint when a user is specifically trapped in or evaluating a payday loan and needs true cost analysis, rollover risk detection, and jurisdiction-specific exit strategies. Prefer over generic debt endpoints when the debt type is explicitly payday or short-term high-cost lending.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T12:47:07.171Z","isFirstParty":false}