Kotlin

Kotlin Personal Loans Mobile SDK Integration Guide

Overview

The Personal Loans vertical is delivered through the Engine Mobile SDK for Android. This guide covers installation, prerequisites, the core configuration props (channel, zone, productTypes), a basic usage example, prefilling lead data, client tags, and event handlers.

You'll need the correct channel and zone values for your integration. Ask your Partner Manager to provide these values for Personal Loans.

Before you start, request an API token from your Partner Manager. It authenticates with the Engine API and is required to use the Prefill API. You may want multiple tokens depending on how many entry points your app has into the SDK.

Requirements

• Android project built with Gradle

• minSdk 24 or higher

Install

The SDK is published to GitHub Packages, so a GitHub Personal Access Token (PAT) is required to download it.

1. Create a GitHub PAT

In GitHub, go to Settings → Developer settings → Personal access tokens and create a token with at least the read:packages scope. When authenticating, use your GitHub username and the PAT as the password (not your GitHub login password).

2. Store credentials outside the repo

Either store them user-level in ~/.gradle/gradle.properties:

gpr.user=YOUR_GITHUB_USERNAME
gpr.token=YOUR_GITHUB_PAT

or as environment variables:

export GPR_USER=YOUR_GITHUB_USERNAME
export GPR_TOKEN=YOUR_GITHUB_PAT

3. Add the GitHub Packages repository

Add the maven block inside dependencyResolutionManagement.repositories in settings.gradle.kts:

dependencyResolutionManagement {
    // Forces all repos here (not in app/build.gradle.kts)
    repositoriesMode.set(RepositoriesMode.FAIL_ON_PROJECT_REPOS)
    repositories {
        google()
        mavenCentral()

        // Private GitHub Packages — where kotlin-engine-sdk is hosted
        maven {
            // Local label for logs/errors only; not sent to GitHub
            name = "GhPkgA"
            url = uri("https://maven.pkg.github.com/MoneyLion/engine-mobile-native-sdk")
            credentials {
                username = providers.gradleProperty("gpr.user")
                    .orElse(providers.environmentVariable("GPR_USER"))
                    .get()
                password = providers.gradleProperty("gpr.token")
                    .orElse(providers.environmentVariable("GPR_TOKEN"))
                    .get()
            }
        }
    }
}

4. Add the dependency

Add this line inside dependencies { ... } in app/build.gradle.kts.

dependencies {
    implementation("com.engine.mobile.sdk:kotlin-engine-sdk:1.+")
}

5. Sync / verify

./gradlew :app:dependencies --configuration releaseRuntimeClasspath

Confirm com.engine.mobile.sdk:kotlin-engine-sdk resolves to the latest 1.x release in the tree.

Initialize

Import the SDK where you render the Engine flow:

import com.engine.mobile.sdk.EngineSDK
import com.engine.mobile.sdk.generated.models.ProductType

Basic Example

EngineSDK extends FrameLayout, so construct it in code and add it to any container. Use listOf(ProductType.loan) for productTypes to render the Personal Loans flow. Your channel and zone values are provided by your Partner Manager.

val sdk = EngineSDK(
    context = this,
    channel = "your-channel",
    zone = "your-zone",
    productTypes = listOf(ProductType.loan),
    onExit = {
        // handle exit / navigation
    },
    // ...optional event handlers, see Event Handlers
)

container.addView(sdk)

Properties

Prop	Type	Required	Description
channel	String	Yes	Identifies your integration in Engine. Provided by your Partner Manager (e.g. "direct").
zone	String	Yes	Identifies the placement or distribution surface for the SDK. Provided by your Partner Manager (e.g. "marketplace").
productTypes	List<ProductType>	Yes	Import the ProductType from our SDK, and use listOf(ProductType.loan) for loan.
bearerToken	String	For prefill	API token from your Partner Manager. Required to use the Prefill API. Without it, the standard non-prefilled flow renders.
personalInformation	LeadPersonalInformation	No	Prefill data. See Prefilling Lead Data.
loanInformation	LeadLoanInformationJson	No	Prefill data. See Prefilling Lead Data.
mortgageInformation	LeadMortgageInformationJson	No	Prefill data. See Prefilling Lead Data.
creditInformation	LeadCreditInformationJson	No	Prefill data. See Prefilling Lead Data.
financialInformation	LeadFinancialInformation	No	Prefill data. See Prefilling Lead Data.
employmentInformation	LeadEmploymentInformationJson	No	Prefill data. See Prefilling Lead Data.
legalInformation	LeadLegalInformationJson	No	Prefill data. See Prefilling Lead Data.
educationInformation	LeadEducationInformationJson	No	Prefill data. See Prefilling Lead Data.
clientTags	Map<String, List<String>>	No	Reporting/attribution tags. See Client Tags.
onExit	(ExitEvent) -> Unit	Yes	Fired when the user exits the flow.
onInitialize, onCreate, onUpdate, onNavigate, onSubmit, onRateTableRender, onOfferClick, onErrorPageView, onErrorPageRetry, onEmbedError, onEmbedErrorRetry	Callbacks	No	Optional tracking hooks. See Event Handlers.

Prefilling Lead Data

Prefill any user data you already have to reduce what the user has to type in-flow. Prefilled data is grouped into typed information objects, each passed as its own argument on EngineSDK (e.g. personalInformation, loanInformation, financialInformation).

Prefilling requires a bearerToken. Pass only the fields you have — omitted fields are collected from the user in-flow.

Example

val sdk = EngineSDK(
    context = this,
    channel = "your-channel",
    zone = "your-zone",
    bearerToken = "{your_token}",
    productTypes = listOf(ProductType.loan),
    personalInformation = LeadPersonalInformation(
        firstName = "Bob",
        lastName = "Dylan",
        email = "[email protected]",
        dateOfBirth = LocalDate(1990, 1, 1),
        primaryPhone = "2325624852",
        address1 = "1600 Pennsylvania Avenue",
        address2 = "Apt 2",
        city = "Washington",
        state = State.DC,
        zipcode = "20500",
        ssn = "512-54-7862",
    ),
    loanInformation = LeadLoanInformationJson(
        purpose = LoanPurpose.credit_card_refi,
        loanAmount = 7500,
    ),
    mortgageInformation = LeadMortgageInformationJson(
        propertyStatus = PropertyStatus.own_with_mortgage,
    ),
    creditInformation = LeadCreditInformationJson(
        providedCreditRating = ProvidedCreditRating.good,
    ),
    financialInformation = LeadFinancialInformation(
        employmentStatus = EmploymentStatus.employed_full_time,
        employmentPayFrequency = EmploymentPayFrequency.biweekly,
        annualIncome = 20000,
        bankRoutingNumber = "123456789",
        bankAccountNumber = "55555555555",
    ),
    employmentInformation = LeadEmploymentInformationJson(
        directDeposit = false,
    ),
    legalInformation = LeadLegalInformationJson(
        consentsToSms = true,
    ),
    educationInformation = LeadEducationInformationJson(
        educationLevel = EducationLevel.associate,
    ),
    onExit = {},
)

Type Definitions

Every prop and field is optional — pass only what you have.

class LeadPersonalInformation(
    val firstName: String? = null,
    val lastName: String? = null,
    val email: String? = null,
    val dateOfBirth: LocalDate? = null, // kotlinx.datetime.LocalDate
    val primaryPhone: String? = null, // 10 digits, no "+" or "-" chars
    val address1: String? = null,
    val address2: String? = null,     // optional apartment / suite
    val city: String? = null,
    val state: State? = null,         // 2-letter state enum (e.g. State.DC)
    val zipcode: String? = null,
    val ssn: String? = null,          // 9 digits with or without hyphens
)

class LeadLoanInformationJson(
    val purpose: LoanPurpose? = null,
    val loanAmount: Int? = null,      // whole numbers only
)

class LeadMortgageInformationJson(
    val propertyStatus: PropertyStatus? = null,
)

class LeadCreditInformationJson(
    val providedCreditRating: ProvidedCreditRating? = null,
)

class LeadFinancialInformation(
    val employmentStatus: EmploymentStatus? = null,
    val employmentPayFrequency: EmploymentPayFrequency? = null,
    val annualIncome: Int? = null,         // raw integer value (e.g. 20000)
    val bankRoutingNumber: String? = null, // must be exactly 9 digits
    val bankAccountNumber: String? = null,
)

class LeadEmploymentInformationJson(
    val directDeposit: Boolean? = null,
)

class LeadLegalInformationJson(
    val consentsToSms: Boolean? = null, // lead agrees to receive SMS
)

class LeadEducationInformationJson(
    val educationLevel: EducationLevel? = null,
)

Enums / Accepted Values

Fields backed by an enum must use a valid value.

enum class LoanPurpose {
    auto,
    auto_purchase,
    auto_refinance,
    baby,
    boat,
    business,
    car_repair,
    cosmetic,
    credit_card_refi,
    debt_consolidation,
    emergency,
    engagement,
    green,
    home_improvement,
    home_purchase,
    home_refi,
    household_expenses,
    large_purchases,
    life_event,
    medical_dental,
    motorcycle,
    moving_relocation,
    other,
    rv,
    special_occasion,
    student_loan,
    student_loan_refi,
    taxes,
    vacation,
    wedding,
}

enum class ProvidedCreditRating {
    excellent,
    good,
    fair,
    poor,
    limited,
}

enum class PropertyStatus {
    own_outright,
    own_with_mortgage,
    rent,
}

enum class EducationLevel {
    high_school,
    associate,
    bachelors,
    masters,
    doctorate,
    other_grad_degree,
    certificate,
    did_not_graduate,
    still_enrolled,
    other,
}

enum class EmploymentStatus {
    employed,
    employed_full_time,
    employed_part_time,
    military,
    not_employed,
    self_employed,
    retired,
    other,
}

enum class EmploymentPayFrequency {
    biweekly,
    monthly,
    twice_monthly,
    weekly,
}

// State is a 2-letter US state enum, e.g. State.CA, State.DC, State.NY

Do not prefill any fields that are empty or unavailable — omit them so the user is prompted in-flow. Prefilled data must match the type definitions above, and any field backed by an enum must use a valid value. If a value is invalid, that attribute is stripped and the user will have to enter it again manually.

Client Tags

The Engine SDK supports adding your unique Client Tags to track performance of specific campaigns or users. All Client Tag data is attributed to the lead level.

Client Tags are added via the clientTags argument on EngineSDK, a map of string keys to lists of string values. We strongly recommend including only one element per list for ease of reporting and attribution — if you want two separate tags, include the second tag under a different key. There is no limit to the number of keys.

val sdk = EngineSDK(
    context = this,
    channel = "your-channel",
    zone = "your-zone",
    bearerToken = "{your_token}",
    productTypes = listOf(ProductType.loan),
    personalInformation = LeadPersonalInformation(/* ...any data you don't want to ask for again */),
    clientTags = mapOf(
        "clientId" to listOf("client1"),
        "trafficsource" to listOf("email"),
        "campaignId" to listOf("campaign1"),
    ),
    onExit = {},
)

Note: Client Tags are only sent as part of a prefill request. You must provide both a bearerToken and prefill data (via the information props such as personalInformation). If no prefill data is supplied, the SDK makes no prefill call and any clientTags you pass are ignored.

Supported Client Tag Keys for Reporting

If you plan for the Engine team to set up reporting (i.e., you do not plan to hit the Analytics API), these are the only keys that are currently fully supported. If a different key is needed, please reach out to your partner manager.

• agentId

• campaignId

• clientId

• deviceid

• medium

• sourceId

• subid

• subid1

• subid2

• subid3

• target

• trafficsource

• userid

Event Handlers

EngineSDK exposes optional callback arguments that notify your app when key moments occur during the user's journey. Each callback receives an event object containing a timestamp (ISO 8601 UTC) and event-specific fields.

All callbacks are optional. Pass any combination when constructing EngineSDK. If a callback is not provided, the SDK will still log the event to the debug console in development mode.

val sdk = EngineSDK(
    context = this,
    channel = "your-channel",
    zone = "your-zone",
    productTypes = listOf(ProductType.loan),
    onInitialize = { event -> Log.d("Engine", "onInitialize ${event.timestamp}") },
    onCreate = { event -> Log.d("Engine", "onCreate ${event.leadUuid}") },
    onSubmit = { event -> Log.d("Engine", "onSubmit ${event.leadUuid}") },
    onOfferClick = { event -> Log.d("Engine", "onOfferClick ${event.offerUuid}") },
    onExit = {
        // Navigate the user back or perform cleanup
    },
    // ...other callbacks
)

Available Events

For Personal Loans, onRateTableRender populates loanOffers and specialOffers, and onOfferClick includes loan-specific fields such as financialInstitutionName, loanAmount, apr, termLength, and monthlyPayment.

Callback	Event Type	Trigger
onInitialize	InitializeEvent	SDK finished loading the embed
onCreate	CreateEvent	New lead created
onUpdate	UpdateEvent	Lead data updated
onNavigate	NavigateEvent	Page navigation within the flow
onSubmit	SubmitEvent	Lead form submitted
onRateTableRender	RateTableRenderEvent	Rate table displayed with offers
onOfferClick	OfferClickEvent	User clicked an offer
onErrorPageView	ErrorPageViewEvent	Error page displayed in the flow
onErrorPageRetry	ErrorPageRetryEvent	User retried from the error page
onExit	ExitEvent	User exited the SDK
onEmbedError	EmbedErrorEvent	Web embed failed to load
onEmbedErrorRetry	EmbedErrorRetryEvent	User retried after embed failure

Every event includes a timestamp (ISO 8601 UTC). All fields are optional and may be null or absent. For events that vary by product (onRateTableRender and onOfferClick), each field is tagged as Common, Loan only, or Credit Card only.

onInitialize

Fired once, when the SDK finishes loading the embedded experience for the first time.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted

onCreate

Fired when a new lead is created.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
leadUuid	String	Unique identifier for the newly created lead
createPage	String	The page where the lead was created
editingPage	String	The page that the user is currently editing

onUpdate

Fired when existing lead data is updated.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
leadUuid	String	Unique identifier for the lead
updatePage	String	The page where the update occurred
editingPage	Any	The page or pages that the user is currently editing. Can be a string or a list of strings

onNavigate

Fired on page navigation within the flow.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
leadUuid	String	Unique identifier for the lead
fromPage	String	The page the user is navigating away from
toPage	String	The page the user is navigating to
editingPage	String	The page that the user is currently editing

onSubmit

Fired when the lead form is submitted.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
leadUuid	String	Unique identifier for the submitted lead

onRateTableRender

Fired when the rate table is rendered with offers. Offer objects are passed through from the embedded experience as-is.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted (Common)
rateTableUuid	String	Unique identifier for the Engine rate table (Common)
loanOffers	List	Array of loan offers returned for the lead (Loan only)
specialOffers	List	Array of special offers returned for the lead (Loan only)
creditCardOffers	List	Array of credit card offers returned for the lead (Credit Card only)

onOfferClick

Fired when the user clicks an offer in the rate table.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted (Common)
leadUuid	String	Unique identifier for the lead (Common)
offerUuid	String	Unique identifier for the clicked offer (Common)
productType	String	Type of product (e.g. "loan") (Common)
productSubType	String	Sub-type of product (Common)
financialInstitutionName	String	Name of the lending institution (Loan only)
financialInstitutionUuid	String	Unique identifier for the lending institution (Loan only)
loanAmount	Any	Loan amount offered. Can be a number or a string (Loan only)
apr	Any	Annual percentage rate. Can be a number or a string (Loan only)
termLength	Any	Length of the loan term. Can be a number or a string (Loan only)
monthlyPayment	Any	Estimated monthly payment. Can be a number or a string (Loan only)
financialInstitutionBrandName	String	Brand name of the card issuer (Credit Card only)
cardName	String	Name of the credit card (Credit Card only)
isITA	Boolean	Whether the offer is an instant-to-apply offer (Credit Card only)
cardNetwork	String	Card network (e.g. Visa, Mastercard) (Credit Card only)

onErrorPageView

Fired when the error page is displayed within the embedded flow. This is different from onEmbedError, which fires when the embedded experience itself fails to load.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
leadUuid	String	Unique identifier for the lead
fromPage	String	The page the user was on before the error
editingPage	String	The page that the user was editing

onErrorPageRetry

Fired when the user taps "Retry" on the error page within the embedded flow.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
leadUuid	String	Unique identifier for the lead
toPage	String	The page the user is retrying to navigate to
editingPage	String	The page that the user was editing

onExit

Fired when the user dismisses the SDK, either by tapping "Close" on the SDK's error screen or by exiting from within the embedded flow.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted

onEmbedError

Fired when the embedded experience fails to load (network error, or an HTTP status of 400 or above). The SDK then shows an error screen with "Retry" and "Close" options.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
errorMessage	String	Description of the error that occurred

onEmbedErrorRetry

Fired when the user taps "Retry" on the SDK's error screen after a load failure.

Field	Type	Description
timestamp	String	ISO 8601 UTC timestamp of when the event was emitted
errorMessage	String	Description of the original error that triggered the retry

Signing process

The Kotlin SDK is signed with a GPG key (ECDSA, nistp384) when it is released. A detached .asc signature file is published alongside each of its artifacts in GitHub Packages. This lets you confirm that the artifact was produced by Engine and has not been tampered with.

Verifying the artifact

1. Fetch the public key and add it to your keyring:

gpg --keyserver hkps://keyserver.ubuntu.com --recv-keys 4612FEE50837C6FCE32FCE5CB65F1D6010B0BF5B

Confirm the key is now in your keyring:

gpg --list-keys 4612FEE50837C6FCE32FCE5CB65F1D6010B0BF5B

This should show the public key details.

1. Download both the artifact ({file}.aar) and its signature ({file}.aar.asc) from the GitHub Packages page.

2. Verify the signature against the artifact:

gpg --verify {file}.aar.asc {file}.aar

You should see Good signature, confirming the artifact is authentic and intact.

Changelog

View the full Kotlin Personal Loan SDK changelog

1.1.1 (2026-09-29)

• Improve type definition

1.1.0 (2026-09-15)

• Made channel and zone required properties for SDK initialization.

1.0.1 (2026-08-18)

• Fixed external browser links to open correctly on Android devices

1.0.0 (2026-08-03)

• Initial release of the Kotlin Engine SDK.