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Collecting User Information for 2LM

API Endpoint

2nd Look offer uses the same endpoint as in 1st Look:

POST to https://api.engine.tech/leads/rateTables

There are two routes to getting 2nd Look Marketplace offers from the Engine API.

Route 1: Waterfall Down from 1st Look Ineligible Leads

When posting leads with the productTypes array set to ["loan", "other"], Engine will:

  • First query its 1st Look Partners for personal loan offers.

  • If no 1st Look offers are returned, it will query 2nd Look Partners for applicable 2L offers (specialOffers).

Please see the 1st Look (Loans) API Specifications section for more information.

Route 2: 2LM Direct Post

To post leads directly to Engine’s 2nd Look Marketplace (2LM), the productTypes array should consist only of other, i.e. productTypes: ["other"].

  • This sends the lead straight to 2nd Look partners only.

  • 2LM is ideal when you know the lead is better suited for 2nd Look products like Earned Wage Access (EWA), Debt Relief, or Credit Builder.

  • It also helps reduce API response time.

Required Fields for 2LM Direct Post

You must include the following for a valid direct post to 2LM:

  • either of providedCreditRating or providedNumericCreditScore

  • either of annualIncome or monthlyNetIncome

  • firstName

  • lastName

  • ssn

  • email

  • primaryPhone

  • address1

  • city

  • state

  • zipcode

  • dateOfBirth

  • loanAmount

  • purpose

  • ipAddress

  • userAgent

  • employmentStatus

  • consentsToFcra (must be true )

  • fcraLanguage

  • consentsToTcpa

  • tcpaLanguage (must be present if consentsToTcpa is set to true)

*Although the FCC has postponed the effective date of the TCPA One-to-One Consent Rule—meaning the consentsToTcpa field is no longer strictly required (i.e. does not need to be true—Engine still strongly encourages our channel partners to obtain user consent to maintain the highest standards of compliance and performance.

Look at the API Specifications for specific info on type validations, enums, and a sample request body.

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