{"uid":"cap_t_3zbCaEGae0UgBpz51kj","slug":"x402toll-auto-loan-payment-calculator-01983cae","name":"x402toll Auto Loan Payment Calculator","description":"Auto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees.","url":"https://x402toll.com/v1/lending/auto-loan","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"apr":{"type":"number"},"fees":{"type":"number","default":0},"state":{"type":"string","default":"TX"},"termMonths":{"type":"number","default":60},"downPayment":{"type":"number","default":0},"tradeInValue":{"type":"number","default":0},"vehiclePrice":{"type":"number"},"salesTaxLocalPct":{"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_MRFT0qRu3xaSRZs2l-1br","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":"Calculates monthly auto loan payments including state sales tax (2026 verified rates), trade-in credit, down payment, fees, and APR amortization.","exampleAgentPrompt":"What would my monthly payment be on a $32,000 car at 6.9% APR over 60 months in Texas, with a $3,000 down payment and a $5,000 trade-in, plus $800 in dealer fees?","exampleUseCases":null,"resultDescription":"Returns a computed breakdown of the auto loan including the financed principal (after trade-in, down payment, and 2026 state sales tax), monthly payment amount, total interest paid over the loan term, and total cost of the vehicle.","failureModes":["Missing required fields (vehiclePrice or APR) returns validation error","Invalid or unrecognized state code returns error or defaults to TX","Negative vehicle price or APR returns computation error","APR of 0 may produce division-by-zero or flat payment result","Term of 0 months causes invalid computation"],"whenToPreferThis":"Choose this endpoint when you need a detailed, tax-aware auto loan monthly payment calculation that incorporates 2026 verified state sales tax rates, trade-in credits, down payments, and dealer fees in a single call — especially useful when the user specifies a US state and wants an all-in monthly payment estimate rather than a simple principal/interest calculation.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:51:25.755Z","isFirstParty":false}