Displaying Auto Loan Refinance Offers

This section of the guide is divided into two parts:

• Required Fields: This covers all of the fields partners will need to display about the offers returned from Engine by MoneyLion’s API

• Compliance: This covers the various disclosures required to receive approval from the Engine by MoneyLion Compliance team and Financial Services partners

Required Fields

Engine by MoneyLion’s Financial Services partners require partners building a Native API integration to display a basic set of information associated with their offers. Here are the required fields to display:

• Financial Services partner Logo

• Offer Amount ($)

• Offer Term Length (#)

• Offer Term Unit (ie. Month)

• Offer Term Description

• Offer APR Amount (%)

• Offer APR Description

• Offer Monthly Payment Amount ($)

• Offer Monthly Payment Description

• Pre-Approved or Pre-Qualified designation

• Offer Disclaimer

• Offer More Information

Here is an example of how an Auto Refi offer is represented on Engine by MoneyLion’s owned experiences:

Upon clicking the Disclaimer & more info linked text, this pop up appears which displays the Offer Disclaimer and More Information:

The below language must be displayed on the offers page, regardless of whether or not offers were available for the user:

If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.

Offer Display Logic

Engine by MoneyLion recommends that you build your integration to display the highest Rec Score offer (Engine by MoneyLion’s Machine Learning Algorithm offer score) from each Financial Services partner and group offers based on the Financial Services partner.

Additionally, some of our partners return unsecured Personal Loan offers for Auto Refinance, which will have a productSubType of personalLoan. These are not secured by the vehicle, and we recommend highlighting this in your UX. Here is an example of how it is represented on Engine by MoneyLion’s owned experiences:

Compliance

In order to receive approval from the Engine by MoneyLion Compliance team and Financial Services partners, partners building a Native API integration must include the following items on the offer display page.

General Disclosures

Partners building a Native API integration must include the Advertiser Disclosure, Representative Example & APR Disclosure, and Other Disclosure on the offer display page, using the same guidance as provided in the previous section.