Use Credit Compass in ChatGPT and Claude
Ask about a loan the way you'd ask a friend. The assistant works the answer out with the same calculators, live rates and RBI rules as this site — not numbers it made up.
Server URL — paste this into your assistant
https://www.thecreditcompass.in/api/mcpChat
Monthly EMI
₹47,241
20 years at 7.2%
Share of income
31%
Safe amount: ₹76.2 lakh
Stress tests
- Income drops 20% for 6 monthsHolds
- ₹2 lakh medical emergencyHolds
- School fees increase 30%Holds
- Primary earner loses job for 3 monthsBreaks
You can comfortably afford this loan. Drag the sliders on the card to try a different amount or tenure.
Worked out live at the lowest listed home loan rate (7.2%, checked 23 Aug 2026), assuming 35% of take-home goes on other expenses — the same assumptions the assistant states.
Set up · about 2 minutes
Three steps, one URL, no login
Add it to Claude
claude.ai, desktop and mobile
Open Settings → Connectors and choose Add custom connector.
Name it Credit Compass, paste the server URL, and leave authentication empty.
In a new chat, check Credit Compass is on in the tools menu — then just ask.
Claude Code
$ claude mcp add --transport http credit-compass https://www.thecreditcompass.in/api/mcpAdd it to ChatGPT
Web, on plans with developer mode
Open Settings → Apps → Advanced settings and turn on Developer mode.
Choose Create app, name it Credit Compass, paste the server URL, and pick No authentication.
In a chat, choose Credit Compass from the + menu, or mention it by name.
Not in the ChatGPT app directory yet. Until it is, this is the way to add it. ChatGPT renames these menus from time to time — if a label differs, look for “apps”, “connectors” or “developer mode”.
What it can do
Everything the site does, inside the chat
The assistant handles the conversation. Every figure comes from our formulas, our dated rate data and the RBI rules we cite.
Loan maths
- EMI, total interest and true APR including fees
- Month-by-month repayment schedule
- Prepayment: shorter tenure or lower EMI
- What an RBI repo rate change does to your EMI
Can I borrow?
- Affordability check with stress tests
- The interest rate you are likely to get
- Loans on irregular or gig income
- Overall financial health check
- Plain-English reading of a credit report
Offers, rates, existing loans
- Audit a sanction letter or KFS against RBI rules
- Compare several offers by true cost
- Current bank rates, bank by bank
- RBI policy rates
- Balance transfer and refinance analysis
- A rate negotiation brief for your bank
- A payoff plan across several loans
Guidance
- Government loan schemes you may qualify for
- Loan red flags, and whether a loan app is safe
- Study-abroad loan planning at live exchange rates
- Loan guides, jargon explained, site search
Things to ask
Ask it like you'd ask a friend
You don't need every detail up front. It answers first with sensible, stated assumptions — then you correct them, in words or on the card.
Check this loan offer for hidden charges and RBI rule breaches.
Audit a loan offer or KFS
RBI raised the repo rate by 25 bps — what happens to my home loan EMI?
Repo rate impact
I have a car loan and two personal loans. Which should I pay off first?
Debt payoff plan
My bank offers 9.1% to switch my ₹40 lakh loan. Is it worth it?
Refinance analysis
Privacy and limits
Your numbers do the work, then they're gone
Read-only
Every tool calculates or looks something up. None applies for a loan, contacts a lender or changes anything.
Nothing stored
The figures a calculation needs reach our server for that one calculation, then are discarded. We count which tools run — never what you typed.
No account
No login, no sign-up. Never share PAN, Aadhaar, account numbers or OTPs in the chat — none of these tools need them.
Results are educational estimates, not financial advice or a loan offer. ChatGPT and Claude are run by OpenAI and Anthropic; what you type in the chat is covered by their privacy policies, not ours. Something wrong or not working? Email contact@thecreditcompass.in.