Displaying Personal Loan Offers
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This section of the guide is divided into two parts:
Required Fields: This covers all of the fields partners building a Native API integration will need to display from Engine's offer responses
Compliance: This covers the various consents, disclosures and guidance required to receive approval from the Engine Compliance team and Financial Services partners
Engine’s Financial Services partners require partners building a Native API integration to display a basic set of information associated with their Loan offers. Here are the required fields to display:
Financial Services Partner Logo
Offer Amount ($)
Offer APR Amount (%)
Offer Monthly Payment Amount ($)
Offer Term Length (#)
Offer Term Unit (e.g. Month)
CTA (hyperlinked to clickthrough URL), exemplified below as "Continue" Button
Pre-Approved or Pre-Qualified designation
Offer Description
Offer Disclaimer
When an offer is sanitized, that offer object (i.e. an element object in the loanOffers array) will have the following fields returned as null:
Your front-end UI should not break if any of these fields is null - in this scenario, you should display the other fields returned as normal (logo, max amount, CTA URL, etc). In Engine's owned and operated spaces, that offer card will look like this:
Once the user clicks on the CTA and enters the lender's site, they will see the other relevant details for that offer.
Please see Appendix D for guidance on mapping API response fields to an offer card for the following products:
Engine recommends partners building a Native API integration to display the highest Recommendation Score offer (calculated by Engine’s Machine Learning Algorithm) from each Financial Services partner, and group offers by the Financial Services partner.
Here is an example of how it is represented on Engine-owned experiences:
In order to receive approval from the Engine Compliance team and Financial Services partners, partners building a Native API integration must adhere to the following compliance requirements on the offer display page.
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.
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.
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.”
In order for an app to be available in the Google Play App Store, it must adhere to Google’s established . Google prohibits offers for loans with an APR of 36% or higher. To ensure product offerings on our marketplace do not impact an app’s availability in the Google Play App Store, our API allows some fields in responses to be returned with null values. The following guidance explains how to present these offers.
Please see our for more information.
