Yacht.Loans: boat loan calculator, sales tax and lender terms
REMOTE · YACHT.LOANS
Boat and yacht loan payments with balloon, tax and insurance; state boat tax; lender terms.
Available components
Last scanned (12 hours ago)
Scores higher than 57% of remote servers
Reachable. Last reached 5 Nov 2026.
Category Finance and Payments
How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. How we score → Why this is hard to score →
Endpoint Security74
- The endpoint's TLS certificate is valid, in date, and uses a strong key. View diagnostics → Pass
- No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one. See how to fix → View diagnostics → Partial
- HTTPS is enforced; there's no plaintext access path. View diagnostics → Pass
- HSTS check failed: the Strict-Transport-Security header is absent. See how to fix → View diagnostics → Fail
- DNSSEC check failed: this domain isn't protected by DNSSEC. See how to fix → View diagnostics → Fail
Transport & Reachability100
- Verified streamable-http transport via a live MCP handshake. View diagnostics → Pass
Schema Quality & AI Usability63
- AI-judged instruction clarity (excellent).Pass
- Context-footprint check failed: tool/resource definitions use about 1292 tokens (~323/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params. See how to fix → Fail
- Usage-examples check failed: none of the tools include examples. See how to fix → Fail
Stability & Change Management13
- Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.Partial
Tool Coverage100
- 100% of tools have a non-trivial description (not blank, and not just the tool's name).Pass
- 100% of tool parameters carry a description.Pass
Tool Safety100
- No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.Pass
- We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.Pass
- An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.Pass
Capabilities100
- Implements a current MCP spec version (2026-07-28).Pass
Every change we have recorded for this component, newest first. Security-relevant changes are always shown. ▲ marks a change for the better, ▼ a change for the worse; unmarked changes are neutral.
- 5 Nov 26 +1
No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.
- 3 Nov 26 +1
- The server rewrote its instructions, which are the text every model session reads security
- 2 Nov 26 0
- Stability: unverified → 0.03 ▲ functional
- 1 Nov 26 69
First indexed and scored.
Diagnostic detail from the automated scan of this channel: what the scanner observed at each step, so you can see exactly where a check passed or failed. It is informational only and never changes the trust score.
Captured 5 Nov 2026 · Probed https://yacht.loans/mcp
TLS valid
Negotiated TLS 1.3 with TLS_AES_128_GCM_SHA256 .
| Subject | Issuer | Valid from | Valid until | Key | Signature | Serial |
|---|---|---|---|---|---|---|
| CN=yacht.loans | CN=WE1,O=Google Trust Services,C=US | 24 Oct 2026 | 22 Jan 2027 | ECDSA 256 | ECDSA-SHA256 | 2c9a5043a871d066135a55e553539ea8 |
| SANs: yacht.loans | ||||||
| CN=WE1,O=Google Trust Services,C=US (CA) | CN=GTS Root R4,O=Google Trust Services LLC,C=US | 13 Dec 2023 | 20 Feb 2029 | ECDSA 256 | ECDSA-SHA384 | 7ff31977972c224a76155d13b6d685e3 |
| CN=GTS Root R4,O=Google Trust Services LLC,C=US (CA) | CN=GlobalSign Root CA,OU=Root CA,O=GlobalSign nv-sa,C=BE | 15 Nov 2023 | 28 Jan 2028 | ECDSA 384 | SHA256-RSA | 7fe530bf331343bedd821610493d8a1b |
Background: What to check on a remote MCP endpoint →
DNSSEC insecure
Validation of yacht.loans. — Not signed
| Zone | DS | Keys | Algorithms | Outcome |
|---|---|---|---|---|
| . | trust_anchor | 20326, 38696 | 8, 8 | Verified |
| loans. | present | 19444, 42307 | 8, 8 | Verified |
| yacht.loans. | absent | Unsigned (proven) parent-signed NSEC/NSEC3 proves an unsigned delegation |
Authentication No authorisation required
The endpoint answered without asking for a token. Anyone who knows the URL can reach it.
| Result | No authorisation required |
|---|---|
| HTTP status | 200 |
Background: How OAuth 2.1 works in the 2026 MCP spec →
Transports 2 probes
| Transport | URL | Outcome | Status | Location |
|---|---|---|---|---|
| streamable-http | https://yacht.loans/mcp | Verified | 200 | |
| http (plaintext) | http://yacht.loans/mcp | HTTPS enforced | 301 | https://yacht.loans/mcp |
The tools this component advertises to a client, with an estimated token cost for each. Expand a tool to see its parameters and schema. The per-tool counts are indicative and are not scored directly; the schema's total context footprint is one signal in Schema Quality & AI Usability. A tool's description is untrusted text the model reads on every call, which is what makes this list a security surface and not just an inventory: how tool poisoning works →
calculate_boat_loan Boat or yacht loan payment, balloon, tax and insurance ~518
Runs the yacht.loans boat loan calculator on your numbers: monthly loan payment, payment with insurance, amount financed, balloon left at the end when payments are figured over more years than the term, interest over the term, sales tax (from a state rule on the site or your own rate and cap), cash at closing, and the loan balance at the end of each year.
| Name | Type | Req | Description |
|---|---|---|---|
| amortization_years | integer | – | Years the payments are figured over. Default = term_years (no balloon). Longer than the term leaves a balloon, e.g. term 15 figured over 20. Shorter than the term is raised to the term, as on the sit… |
| apr_pct | number | yes | APR in percent from the borrower's own quote, e.g. 8.25. This server has no rate of its own; lenders' published ranges are in list_boat_lender_terms. |
| closing_costs | number | – | Documentation, title and registration costs in dollars. Default 0. |
| down_payment | number | – | Down payment in dollars. Default 0. Give this or down_payment_pct, not both. |
| down_payment_pct | number | – | Down payment as a percent of the price, e.g. 20. Give this or down_payment, not both. |
| finance_tax_and_fees | boolean | – | Roll the sales tax and closing costs into the loan (true, default, as on the site) or pay them at closing (false). |
| insurance_per_year | number | – | Annual insurance premium in dollars from the agent's quote. Default 0. |
| price | number | yes | Purchase price of the boat in US dollars, e.g. 450000. |
| sales_tax_cap | number | – | Maximum sales tax in dollars with sales_tax_pct, 0 = no cap. Default 0. |
| sales_tax_pct | number | – | Your own sales tax rate in percent, used when state is omitted. Default 0. |
| state | string | – | Two-letter code of the state where the boat is taxed; applies that state's rate and cap from https://yacht.loans/boat-sales-tax-by-state/. Usable: CT, FL, MD, NJ, NC, RI, SC, TX, VA. Omit to give sal… |
| term_years | integer | yes | Loan term in years, e.g. 15 (the site offers 5, 7, 10, 12, 15 and 20). |
No output schema declared.
No examples provided.
estimate_uscg_documentation_fees Coast Guard documentation fees for a financed boat ~245
Adds up the Coast Guard NVDC fees (46 CFR 67.550) to document a financed recreational boat: Abstract of Title, initial certificate or exchange into your name for 1 to 5 years, bill of sale and preferred mortgage recording by page count, and a certified copy for the lender, plus the full NVDC fee table.
| Name | Type | Req | Description |
|---|---|---|---|
| already_documented | boolean | – | true (default) if the boat is already documented, so the certificate is exchanged into your name ($84.00); false if it has never been documented (initial certificate, $133.00). |
| bill_of_sale_pages | integer | – | Pages of the bill of sale to record at $8.00 a page; 0 if none is filed. Default 2 (an assumption; count your own). |
| mortgage_pages | integer | – | Pages of the preferred mortgage to record at $4.00 a page; 0 if not financed. Default 12 (an assumption; count your own). |
| years | integer | – | Years the recreational endorsement runs, 1 to 5 ($26.00 for each year past the first). Default 5. |
No output schema declared.
No examples provided.
get_boat_sales_tax Boat sales tax rule for a state ~111
The boat sales or use tax rule yacht.loans has confirmed for a state from its statute or tax agency: rate, cap, exemptions or special tests (such as California's 12-month test or Florida's $18,000 cap), the citation, source URL and the date it was read. Omit state to list every state covered.
| Name | Type | Req | Description |
|---|---|---|---|
| state | string | – | Two-letter state code or state name, e.g. FL or "New Jersey". Omit to list all covered states. |
No output schema declared.
No examples provided.
list_boat_lender_terms Boat loan terms lenders publish ~130
What banks, credit unions, marine lenders and brokers publish on their own boat loan pages, as read by yacht.loans: rate ranges with their dates, loan amounts, longest terms, down payment and boat age or size rules, with each lender's URL. Filter by lender type or name; not offers and not a ranking.
| Name | Type | Req | Description |
|---|---|---|---|
| kind | string | – | Only this type of lender: bank, credit_union, marine_lender_or_broker or unsecured. |
| name | string | – | Part of a lender name, e.g. "Truist" or "Navy Federal". |
No output schema declared.
No examples provided.
How do I install the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server?
Yacht.Loans: boat loan calculator, sales tax and lender… is a hosted endpoint at https://yacht.loans/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.
remote · yacht.loans
claude mcp add --transport http loans-yacht-yacht-loans 'https://yacht.loans/mcp'
What is the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server?
Yacht.Loans: boat loan calculator, sales tax and lender… is an MCP server listed in the public MCP registry as loans.yacht/yacht-loans. Boat and yacht loan payments with balloon, tax and insurance; state boat tax; lender terms. This page covers its hosted endpoint (https://yacht.loans/mcp).
Is the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server safe to use?
Yacht.Loans: boat loan calculator, sales tax and lender… scores 71 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.
What tools does the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server expose?
Yacht.Loans: boat loan calculator, sales tax and lender… exposes 4 tools: calculate_boat_loan, get_boat_sales_tax, list_boat_lender_terms, estimate_uscg_documentation_fees. Their descriptions and schemas cost roughly 1,004 tokens of context every time the server is loaded.
Does the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server require authentication?
No. We connected to Yacht.Loans: boat loan calculator, sales tax and lender… without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.
Is the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server still maintained?
Yacht.Loans: boat loan calculator, sales tax and lender… is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.