Native API

Native API gives you full control over the user experience. Send us your lead data through a single endpoint, and Engine returns personalized offers (or rate tables) that you display in your own custom-built UI, ideal when an embed or hosted page doesn't fit your product.

Experience

Partner-built

You own data collection, offer display, and the end-to-end UX.

Effort

High

Build the API integration and meet product display requirements.

Choose this when

You need complete control over the marketplace design and behavior.

Choose a marketplace

Personal Loans

Post borrower information to the API and retrieve matched loan offers from Engine's network of Financial Services partners. Covers data collection, offer display, and API specs for a fully compliant custom experience.

Collecting User Information

Jornaya Consent Capture Requirements

Displaying Personal Loan Offers

API Specifications

FAQs

General Compliance Guidelines

2nd Look Marketplace

Catches consumers who aren't pre-approved or pre-qualified for a primary personal loan (1L) and matches them with alternative financial product offers instead, so no lead falls through with nothing to offer.

2nd Look Marketplace (Financial Services Providers)

2nd Look Marketplace (Channel Partners)

General Compliance Guidelines

Banking & Savings

Generate personalized savings offers within the banking & savings vertical. Offers display APY to two decimal places, ranked highest to lowest payout, re-poll the rate table endpoint on each view since results aren't cacheable.

Collecting User Information for Savings

Displaying Savings Offers

Marketplace Display Requirements

Reporting

API Specifications

General Compliance Guidelines

Credit Cards Marketplace

Retrieve credit card offers dynamically across two mechanisms: no-PII Invitation to Apply (ITA) offers, and PII-based Personalized offers tiered as Pre-Approved, Pre-Qualified, or Pre-Selected.

Getting Started

Flow Design

Collecting User Information for Credit Cards

Displaying Credit Card Offers

API Specifications

Compliance Guidelines

Auto Loan Refinancing (ALR)

Collect refinance applicant data and match users with auto loan refinance offers from Engine's partner financial institutions, built on the same post-data, retrieve-offers workflow as the other Native API products.

Collecting User Information

Displaying Auto Loan Refinance Offers

API Specifications

FAQs

Home Equity Line of Credit (HELOC)

Match users borrowing against their home equity with HELOC offers. Requires clearly displaying product type, terms, and APR, plus a tooltip or tappable element explaining what a HELOC is, per compliance guidelines.

Displaying Offers (HELOC)

Risk Factors & Requirements

Dos & Don'ts for All HELOC Supply Partners

Dos & Don'ts for HELOC Native Partners (API)

Our Embed/Partner Page Implementation

HELOC-Specific Disclosures