# rateapi.lending.personal

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.

Agent View of the PolicyLayer registry record for `rateapi.lending.personal`. HTML page: https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/rateapi.lending.personal

## Facts

- Tool: `rateapi.lending.personal`
- Server: Apibase (`apibase-mcp-client`) — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase.md
- Install: `npx -y apibase-mcp-client`
- Homepage: https://github.com/whiteknightonhorse/APIbase
- Risk category: Read (Low risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server rate-limited: no
- Parameters: 3
- Recommended policy verdict: Allowed

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `amount` | number | no | Loan amount in USD (e.g. 10000) |
| `term_months` | string | no | Loan term: 12, 24, 36, 48, or 60 months |
| `credit_score` | string | no | Credit score tier |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

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

## Why rateapi.lending.personal is rated Low

Retrieves loan rate information and estimates with no side effects or data modifications.

From the tool's own definition: "Get personal loan rate decision, returns rates and payment estimates."

## Use case

AI agents call rateapi.lending.personal to retrieve information from Apibase without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.

## Recommended policy (PolicyLayer)

Verdict: **Allowed**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches Apibase:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "rateapi.lending.personal": {}
  }
}
```

## Other tools on Apibase (1383)

- `infra.cloudflare.dns_delete` — Destructive — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/infra.cloudflare.dns-delete.md
- `infra.cloudflare.purge_cache` — Destructive — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/infra.cloudflare.purge-cache.md
- `polymarket.trading.cancel_order` — Destructive — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/polymarket.trading.cancel-order.md
- `ai.image.generate` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/ai.image.generate.md
- `aipush.market.report` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/aipush.market.report.md
- `audio.transcribe.submit` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/audio.transcribe.submit.md
- `dev.code.execute` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/dev.code.execute.md
- `device.registry.command` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/device.registry.command.md
- `document.convert.from_pdf` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/document.convert.from-pdf.md
- `document.convert.to_pdf` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/document.convert.to-pdf.md
- `document.convert.web_to_pdf` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/document.convert.web-to-pdf.md
- `hf_inference.nlp.translate` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/hf-inference.nlp.translate.md
- `infra.browser.create_session` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/infra.browser.create-session.md
- `phone.telnyx.sms_world` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/phone.telnyx.sms-world.md
- `phone.twilio.sms` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/phone.twilio.sms.md
- `platform.batch.call` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/platform.batch.call.md
- `scb.tables.query` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/scb.tables.query.md
- `socrata.datasets.query` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/socrata.datasets.query.md
- `web.screenshot.capture` — Execute — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/web.screenshot.capture.md
- `domain.namesilo.register` — Financial — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/domain.namesilo.register.md
- `phone.telnyx.sms_premium` — Financial — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/phone.telnyx.sms-premium.md
- `polymarket.trading.place_order` — Financial — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/polymarket.trading.place-order.md
- `abr.business.abn_lookup` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abr.business.abn-lookup.md
- `abr.business.acn_lookup` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abr.business.acn-lookup.md
- `abr.business.name_search` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abr.business.name-search.md
- `abs.demographics.population` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abs.demographics.population.md
- `abs.economy.cpi` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abs.economy.cpi.md
- `abs.economy.gdp` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abs.economy.gdp.md
- `abs.economy.labour_force` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abs.economy.labour-force.md
- `abs.economy.trade` — Read — https://policylayer.com/tools/io-github-whiteknightonhorse-apibase/abs.economy.trade.md
- …and 1353 more: https://policylayer.com/tools/io-github-whiteknightonhorse-apibase.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=io-github-whiteknightonhorse-apibase · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/io-github-whiteknightonhorse-apibase