API · /loan-api

Loan & Mortgage API

healthy 4,330 Subscribers

Loan and mortgage amortization maths as an API, computed locally and deterministically. The payment endpoint computes the fixed monthly payment of a fully-amortizing loan, M = P·r·(1+r)ⁿ / ((1+r)ⁿ − 1), where r is the annual rate divided by twelve and n is the number of monthly payments, and returns the total paid over the life of the loan, the total interest and the share of every dollar that goes to interest. The schedule endpoint breaks any single payment into its interest and principal parts, shows the remaining balance after it, and the cumulative interest and principal paid so far — so you can see exactly how a mortgage shifts from interest to equity over time. The affordability endpoint inverts the formula to give the largest principal a chosen monthly budget can service at a given rate and term. The term is entered as years or months, and zero-interest loans are handled. Everything is computed locally and deterministically, so it is instant and private. Ideal for fintech, real-estate, banking and personal-finance app developers, mortgage and auto-loan calculators, and finance education. Pure local computation — no key, no third-party service, instant. Live, nothing stored. 3 endpoints. This is loan amortization; for break-even and CVP analysis use a break-even API and for savings-goal projections use a savings API.

#loan #mortgage #amortization #finance #interest #developer-tools

api.oanor.com/loan-api

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Machine-readable spec so AI agents can integrate this API.

/api/loan-api/openapi.json

/api/loan-api/llms.txt

Discovery: GET /api/index.json lists every API.

Loan & Mortgage API — live data on the oanor API marketplace

API health

healthy

Uptime: 100.00%; Server probes · 24h
Avg latency: 77 ms; Server probes · 24h
Subscribers: 4,330; active
Total calls: 76; last 7 days

Full status page → · 8 probes/24h

Pricing

Pick a tier — billed monthly, cancel anytime.

Free

2,000 calls / month
2 requests / second
Hard cap (429 above quota, no overage)
Fixed monthly payment endpoint
Single-loan amortization summary
Deterministic, instant results
Community support

Starter

€15.00 /month

40,000 calls / month
8 requests / second
Hard cap (429 above quota, no overage)
Full amortization schedule export
Extra-payment & early-payoff modeling
APR and total-interest breakdown
Email support

Pro

€39.00 /month

250,000 calls / month
25 requests / second
Hard cap (429 above quota, no overage)
Adjustable-rate & balloon loan support
Bulk multi-loan batch computation
Refinance & comparison endpoints
Priority support

Mega

€119.00 /month

1,507,000 calls / month
80 requests / second
Hard cap (429 above quota, no overage)
High-volume lender-grade throughput
Mortgage PMI/tax/insurance escrow modeling
Custom amortization frequencies & day-count
Dedicated SLA & onboarding

Built by

PremiumApi

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Financial Calculator API

Common money math as an API. Calculate a loan: its monthly payment, total interest and total cost — with an optional full amortization schedule and the effect of extra monthly payments. Break down a mortgage into PITI (principal & interest, property tax, insurance, PMI and HOA) from a purchase price and down payment. Project compound interest and savings growth with optional recurring contributions (future value, total contributions, interest earned). And compute ROI on an investment, with annualised return when you supply the holding period. Every calculation is exact, deterministic and instant — pure local math, no third-party service and nothing stored. Live. 5 endpoints. Built for loan and mortgage calculators, savings and retirement planners, fintech tools and budgeting apps. Distinct from market-data and bank-data services. No upstream key.

api.oanor.com/fincalc-api

Moldova Inflation & CPI API

Official consumer-price inflation for the Republic of Moldova — sourced live from the National Bureau of Statistics of Moldova via its public PxWeb statbank (tables PRE012600, PRE012200 and PRE012800). The cpi endpoint returns the latest reported month with headline year-on-year inflation and the month-on-month price change. The series endpoint returns the monthly history of year-on-year and month-on-month inflation, parameterised by the number of months. The groups endpoint breaks the latest month down across the major divisions — food goods, non-food goods and services — each with its year-on-year rate, showing where price pressure sits. The core endpoint returns Moldova's core-inflation measures, computed by excluding volatile components such as food, energy and regulated prices, each with year-on-year and month-on-month change — the gauges central banks watch for underlying trend. All figures are published directly by the statistics bureau, not modelled, and refreshed from source behind a short server-side cache with keep-warm. Ideal for macro and emerging-market dashboards, CIS and EU-candidate economics trackers, cost-of-living and monetary-policy tools, and fintech needing a clean structured inflation feed for a market the big aggregators rarely cover at monthly resolution. Live keyless upstream. 5 endpoints.

api.oanor.com/moldova-cpi-api

Moldova Foreign Trade API

Official foreign-trade statistics for the Republic of Moldova — exports, imports and the trade balance — sourced live from the National Bureau of Statistics of Moldova via its public PxWeb statbank (table EXT015000), all values in millions of US dollars. The trade endpoint returns the latest reported month with exports, imports, the trade balance and the export-to-import cover ratio. The series endpoint returns the monthly history of exports, imports and balance, parameterised by the number of months. The partners endpoint breaks the latest month down by partner-country group — total, CIS countries, the European Union and the rest of the world — each with its exports, imports and balance, showing where Moldova trades. The annual endpoint returns full-year totals for exports, imports and balance across recent years. Figures are published directly by the statistics bureau, not modelled, and refreshed from source with a short server-side cache and keep-warm. Ideal for macro and trade dashboards, emerging-market and CIS/EU economics trackers, supply-chain and current-account analysis, and fintech needing a clean structured trade feed for a market the big aggregators rarely cover at monthly resolution. Live keyless upstream. 5 endpoints.

api.oanor.com/moldova-trade-api

Åland Consumer Price Index API

Official consumer-price-index and inflation data for the Åland Islands — the autonomous, Swedish-speaking, euro-area region of Finland — sourced live from Statistics and Research Åland (ÅSUB), the regional statistics authority, via its public PxWeb API (table KO010). The overall endpoint returns the latest headline CPI level (index base 2025 = 100) together with month-on-month and year-on-year change. The series endpoint returns the full monthly history of the headline index with monthly and annual change, parameterised by the number of months. The divisions endpoint breaks the basket down across the thirteen COICOP groups — food, alcohol & tobacco, clothing, housing & utilities, furnishings, health, transport, communication, recreation & culture, education, restaurants & hotels, miscellaneous and personal care — each with its index level and annual change. The drivers endpoint ranks those same divisions by their annual impact in percentage points, showing exactly which categories are pushing Åland inflation up or down. Figures are published directly by ÅSUB, not modelled or estimated, and are refreshed from source. Ideal for macro and regional-economics dashboards, cost-of-living and salary tools, Nordic and euro-area inflation trackers, and fintech that needs a clean, structured CPI feed for a market the big aggregators ignore. Live keyless upstream, short server-side cache. 5 endpoints.

api.oanor.com/aland-stats-api

Frequently asked questions

Quick answers about pricing, quotas, and integration.

How do I get an API key for Loan & Mortgage API?

Sign up for free at oanor.com, generate an API key from the developer dashboard, and call Loan & Mortgage API with the x-oanor-key header. No credit card needed for the free tier.

What's the rate limit for Loan & Mortgage API?

Free tier allows 1 request per second. Paid plans scale up to 50 requests per second on the Mega tier. Hard limits return HTTP 429 above the quota — no surprise overage charges.

How much does Loan & Mortgage API cost?

Loan & Mortgage API has a free tier with 100 calls / month. Paid plans start at €15.00 / month with higher quotas and faster rate limits.

Can I cancel my subscription anytime?

Yes. Plans are billed monthly and you can cancel anytime from your billing dashboard. No long-term contracts and no cancellation fee.

Is Loan & Mortgage API GDPR-compliant?

All requests to Loan & Mortgage API go through our EU-based gateway. Your upstream API key never leaves our server and no personal data is shared with the upstream provider beyond the request you send.

Loan 3

Meta 1

Pick an endpoint from the list on the left to see its details and try it.

GET /v1/affordability

Max principal

Playground

Parameters

Custom headers

Language: Client:

GET /v1/payment

Monthly payment

Playground

Parameters

Custom headers

Language: Client:

GET /v1/schedule

Amortization split

Playground

Parameters

Custom headers

Language: Client:

GET /v1/meta

Spec

Playground

Custom headers

Language: Client:

Code snippets

curl https://api.oanor.com/loan-api/SOME_PATH \
  -H "x-oanor-key: oanor_test_..."

const res = await fetch("https://api.oanor.com/loan-api/SOME_PATH", {
  headers: { "x-oanor-key": "oanor_test_..." }
});
const data = await res.json();

$ch = curl_init("https://api.oanor.com/loan-api/SOME_PATH");
curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
curl_setopt($ch, CURLOPT_HTTPHEADER, ["x-oanor-key: oanor_test_..."]);
$response = curl_exec($ch);

import requests
r = requests.get(
    "https://api.oanor.com/loan-api/SOME_PATH",
    headers={"x-oanor-key": "oanor_test_..."},
)
print(r.json())

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Loan & Mortgage API

API health

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Related APIs

Financial Calculator API

Moldova Inflation & CPI API

Moldova Foreign Trade API

Åland Consumer Price Index API

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