Put current credit-union auto loan rates in your app.

curl "https://api.rateapi.dev/v1/rates?product_type=auto_loan&state=TX&term_months=60&sort=apr_asc&limit=50" \
  -H "Authorization: Bearer $RATEAPI_KEY"

{
  "pagination": { "limit": 50, "offset": 0, "returned": 50, "total": 184, "has_more": true },
  "rates": [{
    "lender": "Example Credit Union",
    "state": "TX",
    "product_type": "auto_loan",
    "product_name": "New Auto up to 60 Months",
    "rate": 5.49,
    "apr": 5.49,
    "term_months": 60,
    "vehicle_condition": "new",
    "as_of": "2026-09-05T08:15:00Z"
  }],
  "as_of": "2026-09-05T08:15:00Z"
}

type AutoRate = Readonly<{
  lender: string;
  state: string;
  product_name: string;
  rate: number | null;
  apr: number | null;
  term_months: number | null;
  vehicle_condition: string | null;
  as_of: string;
}>;
 
const response = await fetch("https://api.rateapi.dev/v1/rates", {
  method: "POST",
  headers: {
    Authorization: `Bearer ${process.env.RATEAPI_KEY}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    product_type: "auto_loan",
    state: "TX",
    term_months: 60,
    sort: "apr_asc",
    limit: 100,
  }),
});
 
if (!response.ok) throw new Error(`RateAPI returned ${response.status}`);
const payload = (await response.json()) as { rates: ReadonlyArray<AutoRate> };
const freshRates = payload.rates.filter((row) => Date.now() - Date.parse(row.as_of) < 3 * 86_400_000);