---
title: "T193 · BNPL APR Calculator (EU CCD2 & US TILA) — AINumbers.co"
method: POST
path: "/v1/tools/bnpl_apr_calculator"
---

# T193 · BNPL APR Calculator (EU CCD2 & US TILA) — AINumbers.co

`POST /v1/tools/bnpl_apr_calculator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/bnpl_apr_calculator`
- Auth: none declared

Calculate BNPL APR under EU CCD2 actuarial method (Art. 31) and US TILA/Reg Z (Appendix J). Highlights divergence between marketing APR claims and regulatory APR.

**Tool URL:** https://ainumbers.co/tools/193-bnpl-apr-calculator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `currency` string
  - `amount` string
  - `instalments` string
  - `instAmt` string
  - `interval` string
  - `firstPayment` string
  - `customDays` string
  - `fees` string
  - `statedApr` string

## Response `200`

Successful tool execution result

- object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)