Terms of use

Last updated: 13 November 2026

Who we are. CarLoanMath is made by Franco Soldera, an individual trading as U-Things, in Denmark. Address: Drejøgade 26C, 2100 København Ø, Denmark. Contact: contact@u-things.com. When you use carloanmath.com or the CarLoanMath MCP server, you accept these terms.

What you get. CarLoanMath has two parts. The first is the car loan calculator at carloanmath.com. The second is an MCP server for AI assistants at https://carloanmath.com/mcp. Both work out the monthly payment for a car loan, compare loans, find the highest car price for a monthly budget, and show an amortization schedule. Both are free, and there’s nothing to buy. You don’t need an account or an API key, and there’s nothing to sign in to. The MCP server’s tools only read and compute. They don’t create, change, or delete anything, and they don’t contact other services on your behalf.

US only for now. CarLoanMath uses US dollars and US loan conventions. Every MCP tool takes an optional country code. Only US is available for now, and any other code returns an error.

Fair use. Don’t overload the service or send it automated requests in bulk. Don’t use it for anything illegal. If you do, we may block your access.

Not financial advice. CarLoanMath does math on the numbers you enter. Its results are estimates, not a loan offer, and they aren’t financial, tax, or legal advice. Sales tax is a simple percent of the vehicle price, with no state rules and no trade-in credit. Your lender’s numbers can differ, for example because of fees or how they set your rate. Check the numbers with your lender before you sign.

Accuracy. We strive to give you accurate results, but CarLoanMath and everything it tells you, including payments, interest, totals and schedules, are provided “as is”, with no promise that they are accurate, complete or up to date. Check anything important before you rely on it.

Responsibility. We are not responsible for the results CarLoanMath gives you, or for any consequences of using them, such as a loan that costs more than you expected. This applies to the fullest extent the law allows, with no money cap.

Some laws don’t allow liability to be excluded, for example for fraud, or for death or personal injury caused by negligence. Where such a law applies, we are liable only as far as it requires. If you’re a consumer, the consumer protection laws of your country still apply to you.

Your data. Our privacy page explains what the site and the MCP server receive, what we keep, and how to ask us to delete data.

Ending access. We may block access to the site or the MCP server for abuse, for breaking these terms, or because of a legal order. CarLoanMath is free, so we may change it or stop running it at any time.

Changes. When we change these terms, we publish the new version on this page with its date.

The rest. These terms are governed by Danish law. Disputes go to the Danish courts. If you’re a consumer, you can also use the courts where you live. These terms are in English. If one part turns out to be invalid, the rest still applies.

Contact. Questions about these terms? Email contact@u-things.com.