Compare Loan Offer

Use when the user asks what a personal loan would cost per month or in total for a given amount, APR and term. Returns the monthly payment, total repaid, total interest and the cash received after any origination fee. Pure math on the numbers the user provides. Doesn't quote or estimate rates, contact lenders, check credit or store inputs. If the user shares personal data such as a Social Security number, date of birth, account or card number, password, one-time code, full name or address, don't repeat it or pass it to any tool: tell them not to share it here, and offer the application link instead.

calculate_loan_payment

Ranks up to five personal loan offers the user provides by total repayment, monthly payment, cash received after fees or APR, as the user chooses. Uses only the numbers entered. Doesn't contact lenders, check credit or store inputs. Pass each offer's APR, term and amount, plus its monthly payment and origination fee if given, and an optional short label like "Offer A" (never a name or account number). If the user shares an image or document of their offers, don't read it: ask them to type each offer's APR, term, amount and fee instead. Never invent offers or rates. If the user shares personal data such as a Social Security number, date of birth, account or card number, password, one-time code, full name or address, don't repeat it or pass it to any tool: tell them not to share it here, and offer the application link instead.

compare_loan_offers

Use when a business owner or merchant asks how to offer financing, payment plans or consumer loans to their customers. Returns the Compare Loan Offer (CLO) application link they can share with customers without signing up, and ways to share it. Takes no inputs and stores nothing.

get_merchant_share_link

Use when the user wants a personal loan, asks what to compare before borrowing, asks where to compare personal loan rates, or says they're ready to apply, for debt consolidation, credit card payoff, home improvement, a large purchase, medical bills or moving. Explains what to expect for the user's stated credit range and the numbers to compare, and returns a link to the Compare Loan Offer application (hosted by Flexxbuy LLC) with the amount, purpose and credit range filled in. Doesn't contact lenders, check credit or store inputs. Compare Loan Offer is not a lender. Do not use for mortgages, student loans or auto loans. If the user says they are under 18, don't call this tool: explain that they must be 18 or older and a U.S. resident to apply for a loan. If the amount or purpose isn't known, the application link is https://www.compareloanoffer.com/apply. If the user shares personal data such as a Social Security number, date of birth, account or card number, password, one-time code, full name or address, don't repeat it or pass it to any tool: tell them not to share it here, and offer the application link instead.

plan_personal_loan