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/api/calculate-loan
Full Reg-Z pipeline: payment → minimum-payment rule → amortization → APR → max-APR rule.
/api/calculate-apr
Standalone APR from pre-computed payment streams. Tip: the Verify APR for this quote button on a loan result auto-fills this form so the two endpoints can't disagree.
Leave blank to keep the date-derived values above. Use this only when you already have raw Appendix-J numbers from a spreadsheet.
/api/lendapi/minimum-payment-guard
Enforces loan_payment_amount ≥ dsp_draft_amount; rebuilds amortization + APR if the guard trips.
loan_payment_amount ≥ dsp_draft_amount
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