Buy now pay later debt analysis and BNPL true-APR calculator
Buy now pay later debt analysis and BNPL true-APR calculator. Computes the real APR on Klarna, Afterpay, Affirm, and Zip balances, flags platform-specific risks, and returns an escape strategy to clear the debt. For debt-relief and personal-finance agents.
Not tested: has real-world effectsour last check, 2026-10-18
0 of 0checks answered this week
n/amedian answer time
$0.08listed price per call
n/aprice it asked us
Paid test badge: not yet. The checks above are free: we call the tool without paying and read the payment request it sends back. The Verified badge needs paid calls whose answers match the promised output, and nobody can buy a badge.
Endpoint
GET https://debtpulse.theaslangroupllc.com/api/debt/bnpl
| Category | Everything else |
|---|---|
| Provider host | debtpulse.theaslangroupllc.com |
| Networks | algorand:wGHE2Pwdvd7S12BL5FaOP20EGYesN73k, eip155:137, eip155:143, eip155:196, eip155:42161, eip155:480, eip155:56, eip155:8453, eip155:999, solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp, xrpl:0 |
| Payment schemes | exact |
| Self-reported calls, 30 days | 1 from 1 payers (the provider's figure, not ours) |
Our checks, last 30 days
We never call tools that send, buy, move money or file anything, not even without paying.
Example input (from the provider)
{
"method": "GET",
"queryParams": {
"action": "-options"
},
"type": "http"
}
Promised output schema (from the provider)
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET",
"HEAD",
"DELETE"
],
"type": "string"
},
"queryParams": {
"properties": {
"action": {
"description": "compare | risks | credit-impact | dispute | default-options",
"type": "string"
}
},
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"errors": {
"additionalProperties": {
"properties": {
"description": {
"type": "string"
},
"example": {
"type": "object"
}
},
"required": [
"description"
],
"type": "object"
},
"description": "Documented error responses, keyed by HTTP status code",
"type": "object"
},
"example": {
"type": "object"
},
"type": {
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}