API Reseller
Loans API
Eligibility checks and application submission across a lender panel, with each application tracked to a decision. Eligibility is checked before submission so a customer is not applied blind against lenders who will refuse them.
What you get
- Eligibility check before an application is submitted
- One application distributed across a lender panel
- Per-lender decision tracking
- Document upload against an application
- Disbursement status through to credit
The contract
- Auth
- Issued credentials per key pair, over TLS. Signed requests where the rail requires it.
- Flow
- Submit an application, receive lender decisions asynchronously.
- Decision
- A lender decision is final for that lender. We do not re-score or override it.
- Webhook
- Signed, with replay protection. Retried until your endpoint returns 2xx.
- Environments
- Sandbox mirrors production semantics, including failures.
FAQ
About loans api
Can you override a lender's rejection?
No. The lender decides, and we pass the decision through unchanged. An intermediary that re-scored or appealed decisions would be making a credit judgement it is not licensed or positioned to make.
How long does a decision take?
It depends entirely on the lender, which is why decisions arrive by webhook rather than in the submission response. Build for an asynchronous outcome and the variation between lenders stops mattering.