# 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.

- Trust score: 71/100 (medium)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `yacht.loans`: 71/100 (this document), [markdown](https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht.md), [page](https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht)

## Channel facts

- Endpoint: `https://yacht.loans/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.2026.1101.1`

## Trust breakdown

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. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 74/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Nothing on it is marked destructive, but we can't show that an anonymous caller can only read: full credit needs the server to list at least one tool and every tool to be verifiably read-only. We use a best-effort check of tool names and descriptions to tell read-only tools from tools that change things, so some genuinely read-only tools may not get full credit. Names that start with a read verb (get, list, read, search and similar) and accurate readOnlyHint annotations help. Meet that to earn full credit, or require authorisation.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 63/100
  - AI-judged instruction clarity (excellent).
  - 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.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 13/100
  - Stability observed for 4 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a current MCP spec version (2026-07-28).

## Install

### 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.

### Claude

```bash
claude mcp add --transport http loans-yacht-yacht-loans 'https://yacht.loans/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "loans-yacht-yacht-loans": {
      "url": "https://yacht.loans/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "loans-yacht-yacht-loans": {
      "type": "http",
      "url": "https://yacht.loans/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.loans-yacht-yacht-loans]
url = "https://yacht.loans/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "loans-yacht-yacht-loans": {
      "type": "remote",
      "url": "https://yacht.loans/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add loans-yacht-yacht-loans --url 'https://yacht.loans/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  loans-yacht-yacht-loans:
    url: "https://yacht.loans/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "loans-yacht-yacht-loans": {
      "Transport": "http",
      "Url": "https://yacht.loans/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add loans-yacht-yacht-loans -t streamable-http -u 'https://yacht.loans/mcp'
```

### Other

```json
{
  "mcpServers": {
    "loans-yacht-yacht-loans": {
      "type": "http",
      "url": "https://yacht.loans/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 71, +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.

### 2026-11-03 (score 70, +1)

- [security] The server rewrote its instructions, which are the text every model session reads

### 2026-11-02 (score 69, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-11-01 (score 69)

First indexed and scored.

## MCP tools (4)

### `calculate_boat_loan` (~518 tokens)

Boat or yacht loan payment, balloon, tax and insurance

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.

Input parameters:

- `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, required): 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, required): 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, required): Loan term in years, e.g. 15 (the site offers 5, 7, 10, 12, 15 and 20).

### `get_boat_sales_tax` (~111 tokens)

Boat sales tax rule for a state

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.

Input parameters:

- `state` (string): Two-letter state code or state name, e.g. FL or "New Jersey". Omit to list all covered states.

### `list_boat_lender_terms` (~130 tokens)

Boat loan terms lenders publish

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.

Input parameters:

- `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".

### `estimate_uscg_documentation_fees` (~245 tokens)

Coast Guard documentation fees for a financed boat

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.

Input parameters:

- `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.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht#diagnostics

## Score history

- 2026-11-05: 71
- 2026-11-04: 70
- 2026-11-03: 70
- 2026-11-02: 69
- 2026-11-01: 69

## Common questions

### 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.

### What did VerifyMCP test on the Yacht.Loans: boat loan calculator, sales tax and lender… MCP server?

VerifyMCP ran 13 checks on Yacht.Loans: boat loan calculator, sales tax and lender…, covering TLS certificate, Authorization, HTTPS, HSTS header and 9 more. Supply Chain Security and Provenance & Transparency do not apply to a hosted endpoint, so they were not tested. The score does not measure everything, and the scoring documentation lists what it leaves out.

## Links

- Remote endpoint: https://yacht.loans/mcp
- Website: https://yacht.loans/developers/
- Changelog RSS feed: https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht.xml
- Changelog JSON feed: https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht/changelog.json
- Trust report (JSON): https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht.json
- HTML version of this page: https://verifymcp.io/servers/loans-yacht-yacht-loans/yacht