compare_personal_loansCompare personal loan options in the SecureLend catalog. Optional inputs are loan amount, credit score, and US state.
| Name | Required | Description | Default |
|---|---|---|---|
| state | No | US state. Optional. | |
| loanAmount | No | Requested personal loan amount in USD. Optional. | |
| creditScore | No | Credit score used to rank catalog options. Optional. |
Changes observed during successful MCP inspections.
Input schema / properties / amountRemoved value: -{
- "description": "Requested amount.",
- "type": "number"
-}Input schema / properties / creditScore / descriptionPrevious value: -"Credit score used to filter options."New value: +"Credit score used to rank catalog options. Optional."Input schema / properties / homePriceRemoved value: -{
- "description": "Property value for a mortgage comparison.",
- "type": "number"
-}Input schema / properties / loanAmount / descriptionPrevious value: -"Requested amount."New value: +"Requested personal loan amount in USD. Optional."Input schema / properties / principalRemoved value: -{
- "description": "Principal when loanAmount is omitted.",
- "type": "number"
-}Input schema / properties / purposeRemoved value: -{
- "description": "What the amount is for.",
- "type": "string"
-}Input schema / properties / state / descriptionPrevious value: -"US state."New value: +"US state. Optional."Input schema / additionalPropertiesPrevious value: -trueNew value: +falseInput schema / propertiesAdded value: +{
+ "amount": {
+ "description": "Requested amount.",
+ "type": "number"
+ },
+ "creditScore": {
+ "description": "Credit score used to filter options.",
+ "type": "number"
+ },
+ "homePrice": {
+ "description": "Property value for a mortgage comparison.",
+ "type": "number"
+ },
+ "loanAmount": {
+ "description": "Requested amount.",
+ "type": "number"
+ },
+ "principal": {
+ "description": "Principal when loanAmount is omitted.",
+ "type": "number"
+ },
+ "purpose": {
+ "description": "What the amount is for.",
+ "type": "string"
+ },
+ "state": {
+ "description": "US state.",
+ "type": "string"
+ }
+}Input schema / $schemaRemoved value: -"http://json-schema.org/draft-07/schema#"Input schema / additionalPropertiesAdded value: +trueInput schema / propertiesRemoved value: -{
- "creditScore": {
- "description": "The applicant's estimated credit score (300-850).",
- "maximum": 850,
- "minimum": 300,
- "type": "number"
- },
- "employmentStatus": {
- "description": "The applicant's employment status.",
- "enum": [
- "employed",
- "self_employed",
- "retired",
- "unemployed"
- ],
- "type": "string"
- },
- "loanAmount": {
- "description": "The desired loan amount in USD (e.g., 25000).",
- "maximum": 100000,
- "minimum": 1000,
- "type": "number"
- },
- "monthlyIncome": {
- "description": "Applicant's gross monthly income in USD.",
- "minimum": 0,
- "type": "number"
- },
- "purpose": {
- "description": "The purpose of the loan.",
- "enum": [
- "debt_consolidation",
- "home_improvement",
- "major_purchase",
- "medical",
- "vacation",
- "other"
- ],
- "type": "string"
- },
- "state": {
- "description": "The applicant's state of residence (2-letter code).",
- "type": "string"
- }
-}Input schema / requiredRemoved value: -[
- "loanAmount",
- "purpose"
-]Output schema / (root)Previous value: -{
- "$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: +nullDoes the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations provide safety hints (readOnlyHint: true, destructiveHint: false). The description adds no further behavioral constraints beyond what's in the input parameters. Since the description adds value by framing the scope (SecureLend catalog) while annotations cover safety, a 5 is fair for maintaining transparency.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.
Is the description appropriately sized, front-loaded, and free of redundancy?
The description is a concise, single sentence that front-loads the main action and resource. There is no wasted language.
Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.
Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the context of a listing/comparison tool, the description is quite complete. However, since there is no output schema, clarifying what the resulting comparison data looks like or which attributes are returned would push this to a 5.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.
Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With schema description coverage at 100%, the baseline is 3. The description lists the optional inputs (amount, score, state) which are already fully detailed in the schema. It adds no significant semantic value beyond the structured data provided.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.
Does the description clearly state what the tool does and how it differs from similar tools?
The description clearly states the tool's purpose: to compare personal loan options in the SecureLend catalog. It provides a specific action (compare) on a specific resource (personal loans). It differentiates itself from business-related comparison tools listed as siblings.
Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.
Does the description explain when to use this tool, when not to, or what alternatives exist?
The description outlines which inputs are optional, which acts as a form of guidance. However, it doesn't explicitly state the optimal use case (e.g., 'use this if you are seeking a personal loan'). A 4 is appropriate as it clarifies the 'optional' nature of the parameters, which is helpful context.
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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