Add Rate Comparisons to Any App
Mortgages, auto loans, HELOCs, personal loans, and credit cards from 4,300+ lenders. One REST API. Daily updates. Ranked by true cost—not ad revenue.
Why we built this
Rate data is scattered across thousands of credit union websites with no programmatic access. The comparison sites that aggregate it rank by affiliate revenue, not actual cost.
RateAPI fixes both problems: structured data from 4,300+ lenders, ranked by APR + fees. No affiliates. No lead selling.
RateAPI tracks rates for mortgages, auto loans, HELOCs, personal loans, and credit cards from 4,300+ US credit unions and lenders, updated daily. The API returns ranked recommendations based on true cost (APR + points + fees), not affiliate revenue.
Source: RateAPI.dev
Live Demo
See It In Action
Real API responses, real-time data
const response = await fetch('https://api.rateapi.dev/v1/decisions', {
method: 'POST',
headers: {
'Authorization': 'Bearer YOUR_API_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
decision_type: 'financing',
context: { geo: { state: 'CA' } },
product_request: {
product_type: 'mortgage',
intent: 'purchase',
amount: 500000,
term_months: 360
},
current_offer: { apr: 6.75 }
})
});
// Returns: savings, ranked offers, recommendationRanked by true cost (APR + points + fees), not headline rate
Why Developers Choose RateAPI
Ship Rate Features Without the Infrastructure
One Endpoint, 5 Products
Query mortgages, auto loans, HELOCs, personal loans, or credit cards with the same /v1/decisions call. Filter by state, amount, term, and intent.
Savings Math Included
Returns monthly savings, lifetime savings, and break-even timelines. Display-ready data—no calculations on your end.
Webhooks for Rate Drops
Set thresholds, get HMAC-signed webhooks when conditions are met. Full decision context in every payload—not just "rate changed."
How We Rank
True Cost, Not Headline APR
A 6.125% APR with 2.5 points costs more than a 6.75% rate with zero points. We rank by what borrowers actually pay—APR, points, fees, and data freshness. No affiliate relationships means no incentive to promote specific lenders.
See Full Methodology →Get Started
Sign up and get your API key in seconds.
# Basic (20 requests/month)curl -X POST https://api.rateapi.dev/keys # With email for 2.5x more requests (50/month)curl -X POST https://api.rateapi.dev/keys \ -H "Content-Type: application/json" \ -d '{"email": "[email protected]"}'{ "id": "a1b2c3d4e5f6", "key": "rk_live_abc123...", "message": "Store this key securely - it cannot be retrieved again", "tier": { "name": "Free", "limit": 50 }, "emailRegistered": true}Free tier includes 20 requests/month (or 50 with email).
Webhooks
Get Notified When Rates Drop
Set conditions. Receive HMAC-signed webhooks with full decision context—not just "rate changed." Configurable cooldowns, dry-run testing, MCP integration.
// POST to your webhook URL// Headers: X-RateAPI-Signature, X-RateAPI-Event-Id{ "event": "decision.monitor.triggered", "monitor_id": "mon_abc123", "why_now": [ "APR dropped below 6.25% threshold (now 6.125%)", "Navy Federal offering $127/mo savings vs current" ], "rate_change": { "state": "CA", "previous_rate": 6.375, "new_rate": 6.125 }, "decision_snapshot": { /* full /v1/decisions response */ }}Get Rates in Discord
Add our bot to your server for instant rate comparisons, alerts, and financial product questions—right where your team already works.
FAQ
Common Questions
Sign up at rateapi.dev, then generate your API key. You'll receive your key instantly with 50 requests/month on the free tier.
Daily. Our scrapers verify rates from 4,300+ lenders every day across all 5 product types: mortgages, auto loans, HELOCs, personal loans, and credit cards.
Yes. 20 requests/month without email, 50 with email. No credit card required. Generate your key and start making requests immediately.
Yes. The /v1/decisions endpoint accepts a user's current offer and returns ranked alternatives with monthly savings, lifetime savings, and break-even timelines—ready to display.
Start Building with Rate Data
Sign up, get your API key, and make your first request.