---
title: "RateAPI Pricing: Free, $49/mo Pro, Enterprise"
description: "Core Rates API plans start free. Pro is $49/month. Enterprise adds RateAPI Routes over REST and MCP, managed white-label widgets, unlimited requests, and uncapped querying."
canonical: "https://rateapi.dev/pricing"
last-updated: "2026-09-27"
source: "https://rateapi.dev/llms.txt"
---

# RateAPI Pricing: Free, $49/mo Pro, Enterprise

Pricing

# Simple, Transparent Pricing

Core Rates starts free. RateAPI Routes is an Enterprise capability.

[Credit union or lender? Start here](https://rateapi.dev/for-credit-unions)

## Free

$0 /month

Perfect for exploring the API

- + **20** requests/month
- + All 11 loan & deposit products
- + Up to 5 results per query
- + Instant key — just add your email
- + Sub-500ms response time

Get Free API Key

Most Popular

## Pro

$49 /month

For growing applications

- + **100** requests/month
- + All 11 loan & deposit products
- + Up to 5 results per query
- + Branded rate emails & competitor monitors
- + Priority email support
- + Usage analytics dashboard

[Upgrade to Pro](https://buy.stripe.com/4gM8wJ1505kL0qv5hNdfG02)

## Enterprise

Custom

Purpose-built for your scale and workflow

- + **Unlimited** requests
- + **Unlimited querying** — full result sets, no caps
- + All 11 loan & deposit products
- + **RateAPI Routes** — REST API & MCP tools
- + Managed white-label Routes widgets & Studio
- + Webhook rate monitors
- + SFTP, CSV & Excel exports
- + Dedicated account manager
- + Custom SLA guarantees
- + Private Slack channel
- + Custom data feeds

Contact Sales

## Compare Plans

| Feature |  Free |  Pro |  Enterprise |
| Monthly requests |  20 |  100 |  Unlimited |
| Products |  All 11 |  All 11 |  All 11 |
| Results per query |  5 |  5 |  Unlimited |
| RateAPI Routes — REST & MCP |  — |  — |  ✓ |
| Managed white-label Routes widgets |  — |  — |  ✓ |
| Webhook rate monitors |  — |  — |  ✓ |
| SFTP / CSV / Excel exports |  — |  — |  ✓ |
| Response time |  <500ms |  <500ms |  <500ms |
| Analytics dashboard |  - |  Yes |  Yes |
| Support |  Community |  Priority email |  Dedicated |
| SLA |  - |  99.9% |  Custom |

## Frequently Asked Questions

### How do I get started?

Run a single curl command with your email to generate an API key instantly. No credit card. The free tier includes 20 requests/month.

### What counts as a request?

Each admitted non-batch `/v1` call counts once. `POST /v1/decisions/batch` counts once per scenario scored. Calls rejected before admission, including requests with missing or invalid credentials, do not consume quota.

### Can I upgrade or downgrade anytime?

Yes. Upgrade to Pro instantly. Downgrade anytime and keep access until your billing cycle ends. No long-term contracts.

### What payment methods do you accept?

We accept all major credit cards (Visa, Mastercard, Amex) and can invoice for Enterprise plans.

### Which plan includes RateAPI Routes?

Routes is Enterprise across every surface: REST API, MCP tools, Routes Studio, and managed white-label widgets. Free and Pro continue to include the core Rates API.

### Is there a free trial for Pro?

The Free tier is your trial for the core Rates API. Test it with 20 requests/month (just add your email), then upgrade when you need more volume. Routes requires Enterprise.

### What happens if I exceed my limit?

API calls will return a 429 status code. Upgrade to Pro for higher limits, or contact us for Enterprise volume.

## Ready to get started?

Get your API key in seconds — just add your email.

Get Free API Key [View Documentation](https://api.rateapi.dev/)

RateAPI

RateAPI Routes turns confirmed customer facts into source-backed shortlists of published products from 3,700+ tracked US credit unions. Every promoted route keeps its membership and price evidence.

[Get API key →](https://rateapi.dev/api-key) [Sign in](https://app.rateapi.dev)

### Build

- [RateAPI Routes →](https://rateapi.dev/routes)
- [Product Matching API](https://rateapi.dev/financial-product-eligibility-api)
- [Membership Eligibility API](https://rateapi.dev/api/eligibility)
- [Rate Query API](https://rateapi.dev/rates-api)
- [Decision API](https://rateapi.dev/api/reference)
- [Batch Decisions API](https://rateapi.dev/api/batch-decisions)

### Deliver

- [Developer Portal →](https://rateapi.dev/developers)
- [Create a free API key](https://rateapi.dev/api-key)
- [REST API docs](https://api.rateapi.dev/)
- [OpenAPI spec](https://api.rateapi.dev/openapi.json)
- [MCP Server](https://rateapi.dev/mcp)
- [Widget builder](https://rateapi.dev/widget-builder)
- [RateAPI Routes widget](https://rateapi.dev/widget-docs/routes)
- [Market Rates widget](https://rateapi.dev/widget-docs/rates)
- [Webhooks](https://api.rateapi.dev/webhooks)
- [Versioning & deprecation](https://rateapi.dev/deprecation-policy)
- [GitHub](https://github.com/rate-api)

### Solutions

- [Personal finance apps](https://rateapi.dev/use-cases/personal-finance-apps)
- [AI purchase advisors](https://rateapi.dev/use-cases/ai-purchasing-tools)
- [AI agents](https://rateapi.dev/use-cases/ai-agents)
- [Car buying platforms](https://rateapi.dev/use-cases/car-buying-platforms)
- [Credit unions](https://rateapi.dev/for-credit-unions)
- [Loan officers](https://rateapi.dev/use-cases/loan-officers)
- [Rate data for ALM](https://rateapi.dev/alm-rate-data)

### Trust

- [Data coverage](https://rateapi.dev/data-coverage)
- [Rate methodology](https://rateapi.dev/methodology)
- [Eligibility methodology](https://rateapi.dev/eligibility-methodology)
- [Transparency](https://rateapi.dev/transparency)
- [Independence](https://rateapi.dev/independence)
- [Corrections](https://rateapi.dev/corrections)
- [Pricing](https://rateapi.dev/pricing)
- [About](https://rateapi.dev/about)
- [Contact](https://rateapi.dev/contact)
- Talk to a human

### Inspect the data behind the API

Public data explorer

- [Current mortgage rates](https://rateapi.dev/current-mortgage-rates)
- [Current auto rates](https://rateapi.dev/current-auto-loan-rates)
- [Current CD rates](https://rateapi.dev/current-cd-rates)
- [Current HELOC rates](https://rateapi.dev/current-heloc-rates)
- [Current personal loan rates](https://rateapi.dev/current-personal-loan-rates)
- [Mortgage rates](https://rateapi.dev/mortgage-rates)
- [Refinance rates](https://rateapi.dev/refinance-rates)
- [Auto loan rates](https://rateapi.dev/auto-loan-rates)
- [RV loan rates](https://rateapi.dev/rv-loan-rates)
- [Boat rates](https://rateapi.dev/boat-loan-rates)
- [Motorcycle rates](https://rateapi.dev/motorcycle-loan-rates)
- [HELOC rates](https://rateapi.dev/heloc-rates)
- [Personal loan rates](https://rateapi.dev/personal-loan-rates)
- [Credit card rates](https://rateapi.dev/credit-card-rates)
- [Deposit rates](https://rateapi.dev/deposit-rates)
- [CD rates](https://rateapi.dev/cd-rates)
- [Savings rates](https://rateapi.dev/savings-rates)
- [Money market rates](https://rateapi.dev/money-market-rates)
- [Credit union directory](https://rateapi.dev/credit-unions)
- [Who can join](https://rateapi.dev/who-can-join)
- [Mortgage benchmark](https://rateapi.dev/mortgage-rate-benchmark)
- [Auto benchmark](https://rateapi.dev/auto-loan-rate-benchmark)
- [HELOC benchmark](https://rateapi.dev/heloc-rate-benchmark)
- [Personal loan benchmark](https://rateapi.dev/personal-loan-rate-benchmark)
- [CD benchmark](https://rateapi.dev/cd-rate-benchmark)
- [Credit union rate index](https://rateapi.dev/credit-union-rate-index)
- [Deposit beta](https://rateapi.dev/deposit-beta)
- [Credit unions vs banks: mortgage](https://rateapi.dev/compare/credit-union-vs-bank-rates)
- [Credit unions vs banks: auto](https://rateapi.dev/compare/credit-union-vs-bank-auto-loan-rates)
- [Credit unions vs banks: HELOC](https://rateapi.dev/compare/credit-union-vs-bank-heloc-rates)
- [Credit unions vs banks: CD](https://rateapi.dev/compare/credit-union-vs-bank-cd-rates)
- [Mortgage rate API comparison](https://rateapi.dev/compare/mortgage-rate-apis)
- [Rate datasets](https://rateapi.dev/credit-union-rate-dataset)

© 2026 RateAPI · US credit unions only · Published pricing is not approval.

[Privacy](https://rateapi.dev/privacy) [Terms](https://rateapi.dev/terms) [llms.txt](https://rateapi.dev/llms.txt)

---

Source: https://rateapi.dev/pricing
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp