Real rates from 4,300+ lenders, ranked by true cost — not affiliate payouts.
Live rates across mortgages, auto loans, HELOCs, personal loans, and credit cards from every US credit union. Updated daily, ranked by what borrowers actually pay (APR + fees). Build it into your product, or compare rates for a client — no code required.
Two Ways to Use RateAPI
Build with it, or sell with it.
Ship rate features without scraping lender sites
- ✓ One endpoint for all 5 products (
/v1/decisions) - ✓ Display-ready savings math — monthly, lifetime, break-even
- ✓ Webhooks, MCP for AI agents, OpenAPI spec, free instant key
Show your client the best real options in minutes
- ✓ No-code Compare tool — pick a product, enter the scenario
- ✓ Ranked by true cost, never affiliate payouts
- ✓ Save buyer scenarios + export a clean, printable client report
Same free account as the API — no code, no card.
How We Rank
True Cost, Not Headline APR
A 6.125% rate with 2.5 points can cost more than a 6.75% rate with none. We rank on APR + points + fees—so whether you display results in an app or walk a client through their options, the top result is genuinely the best, not the best-paying. No affiliate relationships means no incentive to reorder.
See Full Methodology →Explore live rates by product: mortgage rates, auto loan rates, HELOC rates, and credit card rates.
For Developers · 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
For Developers
Ship Rate Features Without the Infrastructure
One Request, Five Products
Query mortgages, auto loans, HELOCs, personal loans, or credit cards with the same /v1/decisions call. Swap product_type, filter by state, amount, and term.
Savings Math You Don't Write
Returns monthly savings, lifetime savings, and break-even timelines. Display-ready—no calculations on your end.
Ranked by True Cost, by Default
Results come pre-ranked on APR + points + fees. No affiliate order to re-sort, no lead-selling to work around.
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).
For Developers · 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%)", "A lender is offering $127/mo savings vs current" ], "rate_change": { "state": "CA", "previous_rate": 6.375, "new_rate": 6.125 }, "decision_snapshot": { /* full /v1/decisions response */ }}For Loan Officers & Brokers · No Code
From client scenario to shareable report in three steps
Enter your client's scenario
Pick a product and enter the basics—loan amount, state, term. No code, no API key to manage.
See every lender ranked by true cost
APR plus points and fees—not ad spend. The top option is genuinely the best for your client.
Save it and export a client report
Save the scenario and hand your client a clean, printable report they can keep.
More Ways In
Get Rates Wherever You Work
However you work—in code, a browser, chat, or an AI assistant—it's the same daily, true-cost-ranked data.
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.
Yes. The Compare tool at app.rateapi.dev lets you compare live rates for a client, save buyer scenarios, and generate a printable report—no code, no credit card.
No. RateAPI takes no affiliate or referral revenue. Every option is ranked purely by true cost (APR + points + fees) across 4,300+ lenders, so the top result is genuinely the best for the borrower.
No. We re-verify rates from 4,300+ lenders daily across all five products, and every response includes an as_of date.
Five lending products from 4,300+ US lenders and credit unions: mortgages (30-, 20-, 15-, and 10-year fixed), auto loans, HELOCs, personal loans, and credit cards—all from one /v1/decisions endpoint.
Yes. RateAPI ships a native MCP server so AI agents like Claude and ChatGPT can query live rates, compare options, and run savings math directly. REST and webhooks are also available.
Start with the real best rate
Developers ship in an afternoon. Loan officers compare in minutes. Both free, no credit card.