# Rates API

> Rates API is a free JSON API for New Zealand interest rates. It has four datasets: mortgage, personal loan, car loan, and credit card rates, each with more than 30 lenders or issuers. It checks interest.co.nz each hour and keeps a maximum of one snapshot per day when the data changes, with history since 8 March 2025. Mortgage terms are from 6 months to 5 years, plus floating rates. An API key is not necessary. The source code is MIT licensed.

The base URL is https://www.ratesapi.nz. All responses are JSON.

The data comes from interest.co.nz and can be incorrect or late. Before you use a rate, check it with the lender. Rates API is independent. It is not affiliated with interest.co.nz or with any lender.

## Docs

- [Overview](https://www.ratesapi.nz/docs): Get New Zealand mortgage, personal loan, car loan, and credit card interest rates as JSON. Use the free Rates API with curl, OpenAPI, or MCP.
- [API Reference](https://www.ratesapi.nz/docs/api-reference): The base URL, endpoints, filters, errors, and time-series rules for New Zealand mortgage, personal loan, car loan, and credit card rates.
- [Quickstart](https://www.ratesapi.nz/docs/api-reference/quickstart): Get New Zealand mortgage rates as JSON with one curl request. Filter by term, get the rates of one bank, and get earlier rates. No API key.
- [AI Integration](https://www.ratesapi.nz/docs/api-reference/ai-integration): Connect AI agents to New Zealand mortgage and loan rates. Use the free MCP endpoint, the OpenAPI JSON for tool generation, and llms.txt.
- [Core Concepts](https://www.ratesapi.nz/docs/api-reference/concepts): How Rates API collects New Zealand rates from interest.co.nz each hour, and how snapshots, lender IDs, date filters, and errors operate.

## API

- [OpenAPI JSON](https://www.ratesapi.nz/openapi/json): The OpenAPI contract: all endpoints, parameters, response schemas, and errors
- [Interactive API reference](https://www.ratesapi.nz/openapi): The Scalar reference for the OpenAPI contract. You can send test requests from the browser
- [MCP endpoint](https://www.ratesapi.nz/api/v1/mcp): POST only. The Model Context Protocol server, with the Streamable HTTP transport and JSON-RPC 2.0
- [Mortgage rates](https://www.ratesapi.nz/api/v1/mortgage-rates): GET the newest mortgage rates of all lenders. Add termInMonths to get the fixed rates for one term
- [Personal loan rates](https://www.ratesapi.nz/api/v1/personal-loan-rates): GET the newest personal loan rates of all lenders
- [Car loan rates](https://www.ratesapi.nz/api/v1/car-loan-rates): GET the newest car loan rates of all lenders
- [Credit card rates](https://www.ratesapi.nz/api/v1/credit-card-rates): GET the newest credit card rates of all issuers
- [Health](https://www.ratesapi.nz/api/v1/health): GET the database status and the time of the last change to each dataset

## Optional

- [Open Source](https://www.ratesapi.nz/docs/open-source): How the open source New Zealand rates API is built: Cloudflare Workers, D1, Elysia, hourly scrapers, and the repository layout. MIT licensed.
- [Local Development](https://www.ratesapi.nz/docs/open-source/local-development): Clone Rates API, install it with Bun, start the API, docs, and landing page, and load real New Zealand rate data into a local D1 database.
- [Deployment](https://www.ratesapi.nz/docs/open-source/deployment): Deploy your own New Zealand interest rates API to Cloudflare Workers: prepare D1, set the Worker routes, build, and set GitHub Actions secrets.
- [Monitoring](https://www.ratesapi.nz/docs/open-source/monitoring): How GitHub Actions check Rates API uptime every 15 minutes, monitor the hourly collection of New Zealand rates, and open issues for failures.
- [About, Data Source, and Terms](https://www.ratesapi.nz/docs/about): Who runs Rates API, where the New Zealand rate data comes from, its limits, fair use, the licences of the code and the data, and how to get help.
- [Full documentation text](https://www.ratesapi.nz/docs/llms-full.txt): The full text of all the pages above, in one Markdown file