{"uid":"cap_R5KGQdVFZqLZoqcWXZCEN","slug":"fastx402-loan-payment-calculator-f7a963d5","name":"FastX402 Loan Payment Calculator","description":"200 pay-per-call tools for AI agents, from $0.001 per request in USDC on Base or Solana with x402. No account, no API key.","url":"https://fastx402.tools/loan-payment?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$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":["principal","annual_rate_percent","months"],"properties":{"months":{"type":"string","description":"Number of monthly payments, e.g. 360"},"principal":{"type":"string","description":"Loan amount, e.g. 250000"},"annual_rate_percent":{"type":"string","description":"Yearly interest rate in percent, e.g. 4.5"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","properties":{"months":{"type":"integer"},"principal":{"type":"integer"},"total_paid":{"type":"number"},"total_interest":{"type":"number"},"monthly_payment":{"type":"number"},"annual_rate_percent":{"type":"number"}}}}}}},"responseSchema":{"type":"json","example":{"months":360,"principal":250000,"total_paid":456015.6,"total_interest":206015.6,"monthly_payment":1266.71,"annual_rate_percent":4.5}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.002","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":"$0.002/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_dHmHzShR7Ss2VadxlN8QJ","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.002","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates monthly mortgage/loan payment, total interest, and total amount paid given principal, annual rate, and term in months","exampleAgentPrompt":"What would my monthly payment be on a $250,000 mortgage at 4.5% annual interest paid over 30 years (360 months), and how much total interest would I end up paying?","exampleUseCases":[{"title":"First-time homebuyer mortgage estimate","prompt":"I'm looking at a $380,000 home and I can put 20% down, so I need a $304,000 mortgage. If the interest rate is 6.75% and I go with a 30-year loan (360 months), what will my monthly payment be and how much total interest will I pay over the life of the loan?"},{"title":"Compare 15-year vs 30-year loan cost","prompt":"Can you calculate the monthly payment and total interest for a $200,000 loan at 5.5% over 180 months so I can compare it against a 30-year option?"},{"title":"Auto loan monthly payment check","prompt":"I'm financing a $35,000 car at 7.2% annual interest over 60 months — what will my monthly payment be and how much total will I have paid by the end?"}],"resultDescription":"Returns a JSON object with: monthly_payment (fixed monthly installment), total_paid (sum of all payments over the loan term), total_interest (total interest cost above principal), plus echoes of the input values: principal, annual_rate_percent, and months.","failureModes":["Missing required query parameters (principal, annual_rate_percent, months) returns an error","Non-numeric or negative values for principal/rate/months may return an error or nonsensical result","Annual rate of 0% may cause division edge cases","Extremely large principals or very short terms may return unexpected values","Payment via x402 fails if wallet has insufficient USDC balance"],"whenToPreferThis":"Use this endpoint when you need a quick, accurate fixed-rate loan amortization calculation — monthly payment, total interest, and total paid — without setting up an account or API key. Ideal for AI agents that need on-demand financial computation for mortgage, auto, or personal loan scenarios, paying only $0.002 per call in USDC via x402 on Base or Solana.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-27T19:23:09.473Z","isFirstParty":false,"canonicalSlug":"fastx402-loan-payment-calculator-f7a963d5"}