apibase

US Personal Loan Rate Decision

rateapi.lending.personal

Read-onlyIdempotent

Get personal loan rate decision from US lenders. Returns recommended financing actions, APR rates by term and amount, and monthly payment estimates. Filter by loan amount, term, and credit score tier.

Tool call template

This tool declares no required parameters. Add optional parameters from the input schema as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {},
    "name": "rateapi.lending.personal"
  }
}

Input Schema

Name	Required	Description
`amount`	No	Loan amount in USD (e.g. 10000)
`term_months`	No	Loan term: 12, 24, 36, 48, or 60 months
`credit_score`	No	Credit score tier

Output Schema

Name	Required	Description	Default
`error`	No	Present only when the call failed. Includes error code, message, request_id, and any provider-specific extras.
`result`	No	Tool response payload. Shape varies per tool — consult the tool description and inputSchema. May be an object, array, string, or number depending on the upstream provider response.

Schema Changelog

Changes observed during successful MCP inspections.

First observedSep 22, 2026

TDQS

A4.3/5.0

Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint=true, idempotentHint=true, openWorldHint=true. The description adds return value context (APR rates, monthly payments) beyond annotations, but does not disclose any behavioral caveats. Since annotations cover safety, a 4 is appropriate.

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?

Two sentences with no wasted words. Front-loaded with the primary action, then lists key outputs and filter options. Ideal conciseness.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the presence of an output schema (context signal shows 'Has output schema: true'), the description doesn't need to fully explain return structure, and it adequately covers the tool's purpose and inputs. Complete for a read-only query tool.

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?

Schema description coverage is 100%, so baseline is 3. The description mentions filtering by amount, term, and credit score tier, which merely paraphrases the schema. No additional meaning is added beyond what the schema already provides.

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 the tool gets personal loan rate decisions (specific verb+resource). It distinguishes from siblings (auto, heloc, mortgage) by specifying 'personal' and listing return types.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies usage for personal loan rate decisions, but does not explicitly state when not to use or mention alternative sibling tools. Context signals show siblings, so the usage context is clear but no exclusion guidance.

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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