# Rates API

- [Overview](/): Rates API is an AI-ready JSON API for current and historical New Zealand lending rates.
- API Reference
  - [API Reference](/api-reference): Reference material for Rates API endpoints, request parameters, responses, OpenAPI tooling, and AI integration.
  - [Quickstart](/api-reference/quickstart): Make your first Rates API request and learn the most common request patterns.
  - [AI Integration](/api-reference/ai-integration): Use Rates API with agents, LLM applications, MCP clients, OpenAPI tools, and docs-aware assistants.
  - [Core Concepts](/api-reference/concepts): Understand identifiers, dates, data freshness, errors, CORS, OpenAPI behavior, and AI integration surfaces.
  - Endpoints
    - Mortgage Rates
      - [List Mortgage Rates](/api-reference/endpoint/mortgage-rates/list): Retrieve current mortgage rates from New Zealand financial institutions.
      - [Get Mortgage Rates by Institution ID](/api-reference/endpoint/mortgage-rates/get): Retrieve current mortgage rates for one financial institution.
      - [Mortgage Rates Time Series](/api-reference/endpoint/mortgage-rates/time-series): Retrieve historical time series data for mortgage rates from New Zealand financial institutions.
    - Personal Loan Rates
      - [List Personal Loan Rates](/api-reference/endpoint/personal-loan-rates/list): Retrieve current personal loan rates from New Zealand financial institutions.
      - [Get Personal Loan Rates by Institution ID](/api-reference/endpoint/personal-loan-rates/get): Retrieve current personal loan rates for one financial institution.
      - [Personal Loan Rates Time Series](/api-reference/endpoint/personal-loan-rates/time-series): Retrieve historical time series data for personal loan rates from New Zealand financial institutions.
    - Car Loan Rates
      - [List Car Loan Rates](/api-reference/endpoint/car-loan-rates/list): Retrieve current car loan rates from New Zealand financial institutions.
      - [Get Car Loan Rates by Institution ID](/api-reference/endpoint/car-loan-rates/get): Retrieve current car loan rates for one financial institution.
      - [Car Loan Rates Time Series](/api-reference/endpoint/car-loan-rates/time-series): Retrieve historical time series data for car loan rates from New Zealand financial institutions.
    - Credit Card Rates
      - [List Credit Card Rates](/api-reference/endpoint/credit-card-rates/list): Retrieve current credit card rates, fees, and offer details.
      - [Get Credit Card Rates by Issuer](/api-reference/endpoint/credit-card-rates/get): Retrieve current credit card rates and offers for one issuer.
      - [Credit Card Rates Time Series](/api-reference/endpoint/credit-card-rates/time-series): Retrieve historical time series data for credit card rates from New Zealand financial institutions.
- Open Source
  - [Open Source](/open-source): Understand the Rates API repository structure, runtime architecture, and contribution paths.
  - [Local Development](/open-source/local-development): Set up a local development environment for Rates API and start contributing to the project.
  - [Deployment](/open-source/deployment): Learn how to deploy Rates API to Cloudflare Workers for production use.
  - [Monitoring](/open-source/monitoring): Learn how the Rates API monitoring system works to ensure reliability and uptime.