compare_car_loans
Find the best auto loan rates for new or used vehicles based on credit score and loan amount
Input Schema
TableJSON Schema
| Name | Required | Description | Default |
|---|---|---|---|
No arguments | |||
SecureLend Market
Schema Changelog
Changes observed during successful MCP inspections.
Changed5 schema fields changed
- removed
Input schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#" - added
Input schema / additionalPropertiesAdded value: +true - removed
Input schema / propertiesRemoved value: -{ - "creditScore": { - "description": "The applicant's estimated credit score (300-850).", - "maximum": 850, - "minimum": 300, - "type": "number" - }, - "isNew": { - "description": "Specifies if the vehicle is new (true) or used (false).", - "type": "boolean" - }, - "loanAmount": { - "description": "The desired auto loan amount in USD.", - "maximum": 100000, - "minimum": 1000, - "type": "number" - }, - "state": { - "description": "The applicant's state of residence (2-letter code).", - "type": "string" - } -} - removed
Input schema / requiredRemoved value: -[ - "loanAmount", - "isNew" -] - changed
Output schema / (root)Previous value: -{ - "$schema": "http://json-schema.org/draft-07/schema#", - "additionalProperties": false, - "properties": { - "metadata": { - "additionalProperties": false, - "properties": { - "queryId": { - "type": "string" - }, - "sessionId": { - "type": "string" - }, - "timestamp": { - "type": "string" - } - }, - "required": [ - "queryId", - "timestamp" - ], - "type": "object" - }, - "offers": { - "items": { - "additionalProperties": false, - "properties": { - "disclaimer": { - "description": "A disclaimer message, e.g., if the offer is an estimate.", - "type": "string" - }, - "fees": { - "additionalProperties": false, - "description": "Any fees associated with the loan.", - "properties": { - "origination": { - "additionalProperties": false, - "description": "Fee charged by the lender for processing the loan.", - "properties": { - "amount": { - "additionalProperties": false, - "description": "The origination fee amount.", - "properties": { - "amount": { - "type": "number" - }, - "currency": { - "const": "USD", - "type": "string" - } - }, - "required": [ - "amount", - "currency" - ], - "type": "object" - }, - "percentage": { - "description": "The origination fee as a percentage of the loan amount.", - "type": "number" - } - }, - "required": [ - "amount" - ], - "type": "object" - } - }, - "type": "object" - }, - "isEstimate": { - "description": "Indicates if the offer terms are an estimate and not a firm quote.", - "type": "boolean" - }, - "isSecureLendTenant": { - "description": "Indicates if the offer is from a SecureLend-managed tenant.", - "type": "boolean" - }, - "lender": { - "additionalProperties": false, - "description": "Details about the lender providing the offer.", - "properties": { - "id": { - "description": "The unique identifier for the lender.", - "type": "string" - }, - "name": { - "description": "The display name of the lender.", - "type": "string" - }, - "type": { - "description": "The type of lending institution (e.g., 'Bank', 'Credit Union').", - "type": "string" - } - }, - "required": [ - "id", - "name", - "type" - ], - "type": "object" - }, - "matching": { - "additionalProperties": false, - "description": "Information about how the offer was matched.", - "properties": { - "matchReasons": { - "description": "Reasons for the match score.", - "items": { - "type": "string" - }, - "type": "array" - }, - "matchScore": { - "description": "A score indicating how well the offer matches the search criteria.", - "type": "number" - } - }, - "type": "object" - }, - "offerId": { - "description": "A unique identifier for this specific loan offer.", - "type": "string" - }, - "process": { - "additionalProperties": false, - "description": "Details about the application and funding process.", - "properties": { - "applicationMethod": { - "description": "How to apply for the loan.", - "enum": [ - "online", - "phone", - "in_person" - ], - "type": "string" - }, - "applicationUrl": { - "description": "The URL to the online application form.", - "format": "uri", - "type": "string" - }, - "fundingSpeed": { - "additionalProperties": false, - "description": "Information on how quickly the loan is funded.", - "properties": { - "description": { - "description": "Estimated time to receive funds.", - "type": "string" - } - }, - "required": [ - "description" - ], - "type": "object" - } - }, - "required": [ - "applicationMethod" - ], - "type": "object" - }, - "product": { - "additionalProperties": false, - "description": "Details about the financial product.", - "properties": { - "description": { - "description": "A brief description of the product.", - "type": "string" - }, - "name": { - "description": "The name of the financial product being offered.", - "type": "string" - }, - "type": { - "description": "The category of the financial product.", - "enum": [ - "INSTALLMENT_LOAN", - "LINE_OF_CREDIT", - "SHORT_TERM_CREDIT", - "BNPL", - "MORTGAGE", - "AUTO_LOAN", - "AUTO_REFINANCE", - "STUDENT_LOAN", - "STUDENT_LOAN_REFINANCE", - "BUSINESS_LOAN", - "BUSINESS_BANKING", - "BUSINESS_CREDIT_CARD", - "PERSONAL_BANKING", - "SAVINGS_ACCOUNT", - "PERSONAL_CREDIT_CARD" - ], - "type": "string" - } - }, - "required": [ - "name", - "type" - ], - "type": "object" - }, - "terms": { - "additionalProperties": false, - "description": "The terms and conditions of the loan offer.", - "properties": { - "amount": { - "additionalProperties": false, - "description": "The principal loan amount.", - "properties": { - "amount": { - "type": "number" - }, - "currency": { - "const": "USD", - "type": "string" - } - }, - "required": [ - "amount", - "currency" - ], - "type": "object" - }, - "interestRate": { - "additionalProperties": false, - "description": "Details about the interest rate.", - "properties": { - "apr": { - "description": "The Annual Percentage Rate, including fees.", - "type": "number" - }, - "rate": { - "description": "The nominal interest rate.", - "type": "number" - }, - "type": { - "description": "The type of interest rate.", - "enum": [ - "fixed", - "variable" - ], - "type": "string" - } - }, - "required": [ - "type", - "rate", - "apr" - ], - "type": "object" - }, - "payment": { - "additionalProperties": false, - "description": "Details about the repayment schedule.", - "properties": { - "amount": { - "additionalProperties": false, - "description": "The amount of each payment.", - "properties": { - "amount": { - "type": "number" - }, - "currency": { - "const": "USD", - "type": "string" - } - }, - "required": [ - "amount", - "currency" - ], - "type": "object" - }, - "frequency": { - "const": "monthly", - "description": "The frequency of payments.", - "type": "string" - } - }, - "required": [ - "frequency", - "amount" - ], - "type": "object" - }, - "prepaymentPenalty": { - "description": "Indicates if there is a penalty for early repayment.", - "type": "boolean" - }, - "repayment": { - "additionalProperties": false, - "description": "Summary of repayment details.", - "properties": { - "costOfFinancing": { - "description": "The total cost of borrowing (interest and fees).", - "type": "number" - }, - "totalRepaymentAmount": { - "description": "The total amount to be repaid over the life of the loan.", - "type": "number" - } - }, - "required": [ - "totalRepaymentAmount", - "costOfFinancing" - ], - "type": "object" - }, - "termMonths": { - "description": "The duration of the loan in months.", - "type": "number" - }, - "totalCost": { - "additionalProperties": false, - "description": "The total cost of the loan, including interest and fees.", - "properties": { - "amount": { - "type": "number" - }, - "currency": { - "const": "USD", - "type": "string" - } - }, - "required": [ - "amount", - "currency" - ], - "type": "object" - } - }, - "required": [ - "amount", - "interestRate", - "termMonths" - ], - "type": "object" - } - }, - "required": [ - "offerId", - "lender", - "product", - "terms", - "process", - "isSecureLendTenant" - ], - "type": "object" - }, - "type": "array" - }, - "summary": { - "additionalProperties": false, - "properties": { - "bestRate": { - "type": "number" - }, - "fastestFunding": { - "type": "string" - }, - "totalOffers": { - "type": "number" - } - }, - "required": [ - "totalOffers", - "bestRate", - "fastestFunding" - ], - "type": "object" - } - }, - "required": [ - "offers", - "summary", - "metadata" - ], - "type": "object" -}New value: +null
- First observed
TDQS
C2.9/5.0
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must carry full behavioral disclosure, but it only states the purpose. It does not mention side effects, auth needs, rate limits, or what the result looks like (e.g., offers or rates list). The agent knows it 'finds' rates but not what happens when invoked.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Conciseness5/5
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a single, tightly worded sentence with no filler. The core purpose is front-loaded, and every word adds meaning. It is an ideal length for a tool with a self-explanatory name.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Completeness2/5
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has no annotations, no declared parameters, and no output schema, the description is the sole source of guidance. It fails to explain how to provide the implied inputs, what the output is, or when to prefer this over sibling compare tools. This is insufficient for correct invocation without further questioning.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Parameters3/5
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With zero formal parameters, the baseline is 4, but the description names implied inputs (credit score, loan amount) that are absent from the schema. This adds intent but no property names or types, so the agent cannot reliably pass these values. It partially compensates for the empty schema but remains ambiguous.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose4/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description identifies a clear action (Find) and resource (auto loan rates) with useful modifiers (new or used vehicles, based on credit score and loan amount), distinguishing it from mortgage/business loan tools. It loses the top score because 'best' is undefined and it doesn't explicitly say it compares multiple offers.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines2/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
There is no explicit guidance on when to use this tool versus siblings like calculate_loan_payment or compare_personal_loans. The description implies a use case but does not provide exclusions or alternatives, leaving the agent to infer when this is the right choice.
Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.
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