{"uid":"cap_p1Ltr2wsBYMevo2NJmbZe","slug":"debtpulse-payday-loan-escape-plan-true-apr-calculator-013f92cb","name":"DebtPulse Payday Loan Escape Plan & True-APR Calculator","description":"Payday loan escape plan and true-APR calculator. Returns extended payment plan options, legal protections by state and country, and rollover-trap analysis to break the debt cycle. For debt-relief and consumer-rights agents.","url":"https://debtpulse.theaslangroupllc.com/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_eSOxErap_bgPazZu5lfcU","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":"Returns extended payment plan options, true APR calculations, rollover-trap analysis, and legal consumer protections by state/country to help borrowers escape the payday loan debt cycle.","exampleAgentPrompt":"I took out a $500 payday loan in Texas at 400% APR and I've already rolled it over twice — can you calculate what this loan is actually costing me, show me my extended payment plan rights under Texas law, and give me an escape plan to break the cycle?","exampleUseCases":[{"title":"Identify rollover trap costs and state protections","prompt":"I'm stuck rolling over my payday loan every two weeks and I don't understand how much I'm actually paying in fees — can you break down the real cost of these rollovers and tell me what legal protections I have in my state to stop this cycle?"},{"title":"Compare extended payment plans versus rollover debt","prompt":"My lender offered me an extended repayment plan instead of another rollover, but I want to know if that's actually better for me — can you calculate the true APR difference and show me which option costs me less money overall?"},{"title":"Understand payday loan rights across locations","prompt":"I got a payday loan in one state but I'm moving to another state soon — can you show me how my consumer protections and repayment options will change, and whether I have any legal remedies against my current lender?"}],"resultDescription":"Returns the computed true APR on the payday loan, a breakdown of rollover trap costs, available extended payment plan options, state- and country-specific legal consumer protections, and actionable steps to exit the payday debt cycle.","failureModes":["Unsupported jurisdiction returns empty or null legal protections","Missing loan amount or rate parameters cause computation errors","Ambiguous or missing rollover count reduces rollover-trap accuracy","Rate or term values outside realistic bounds may return validation errors"],"whenToPreferThis":"Use this endpoint when a user needs to understand the true cost of a payday loan, identify rollover traps, learn their legal rights by state/country, or explore extended payment plan options — specifically for payday/short-term high-cost loans rather than general debt payoff strategy or other loan types.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:41:00.462Z","isFirstParty":false}