compare_personal_loans
Search and compare personal loan offers from multiple lenders based on amount, purpose, and credit score
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 / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#" - added
Input schema / additionalPropertiesAdded value: +true - removed
Input schema / propertiesRemoved value: -{ - "creditScore": { - "description": "The applicant's estimated credit score (300-850).", - "maximum": 850, - "minimum": 300, - "type": "number" - }, - "employmentStatus": { - "description": "The applicant's employment status.", - "enum": [ - "employed", - "self_employed", - "retired", - "unemployed" - ], - "type": "string" - }, - "loanAmount": { - "description": "The desired loan amount in USD (e.g., 25000).", - "maximum": 100000, - "minimum": 1000, - "type": "number" - }, - "monthlyIncome": { - "description": "Applicant's gross monthly income in USD.", - "minimum": 0, - "type": "number" - }, - "purpose": { - "description": "The purpose of the loan.", - "enum": [ - "debt_consolidation", - "home_improvement", - "major_purchase", - "medical", - "vacation", - "other" - ], - "type": "string" - }, - "state": { - "description": "The applicant's state of residence (2-letter code).", - "type": "string" - } -} - removed
Input schema / requiredRemoved value: -[ - "loanAmount", - "purpose" -] - changed
Output schema / (root)Previous value: -{ - "$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
B3.4/5.0
Behavior2/5
Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
No annotations are provided, so the description must disclose behavior. It states 'search and compare' but does not describe the output format, whether the operation is read-only, or any limitations. It also doesn't mention data source freshness or error handling, leaving the agent to infer basic behavior.
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, direct sentence that is front-loaded with the action and avoids redundancy. Every word contributes to the core purpose.
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?
With no output schema and no annotations, the description is incomplete. It does not describe what the tool returns (list of offers, details, rates?), nor does it mention any preconditions or error scenarios. For a comparison tool, the agent would benefit from knowing the response structure or any caveats.
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?
The schema is empty but allows additional properties, so the description adds meaning by naming three likely inputs (amount, purpose, credit score). However, it does not specify types, formats, or whether these are required, leaving ambiguity about how to structure the request.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Purpose5/5
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states a specific verb (search and compare) and a specific resource (personal loan offers), and further specifies the key filtering criteria (amount, purpose, credit score). This distinguishes it from sibling tools like compare_business_loans or compare_car_loans by the loan type.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Usage Guidelines3/5
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description implies when to use the tool (when comparing personal loans) but does not explicitly contrast with alternatives or state exclusions. With many sibling tools, explicit routing guidance would help, but the 'personal loan' specificity provides some differentiation.
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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