IncredibleFi — Personal Loan Marketplace

Get the loan application form fields, their types, allowed values, and validation rules. Call this first to understand what information is needed to submit a loan application.

{
  "type": "object",
  "properties": {},
  "$schema": "http://json-schema.org/draft-07/schema#"
}

CONSENT REQUIRED BEFORE CALLING THIS TOOL. Before submitting a loan application, you MUST display the following disclosure to the user verbatim and obtain their explicit agreement (e.g. they say "I agree", "I consent", or "Yes"). Do NOT call this tool until the user has explicitly agreed. DISCLOSURE: "By submitting this application, you: (1) consent to and agree with IncredibleFi's Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice; (2) certify that all information herein is true and complete; (3) provide written instructions under the Fair Credit Reporting Act for Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners with whom Acqscale, Inc. (IncredibleFi.com) connects you to obtain your consumer credit report from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry; (4) understand your information will be presented to a network of lenders and/or lending partners who will review and verify your information to determine if you may qualify for a loan, and that lenders and financial service providers may share your personal information including approval and funded status; and (5) provide express consent to recurring communication at the telephone number provided by Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners. Consent is not required to purchase any goods or services; and (6) understand that if you are not connected with a lender, your information may be shared with, and you may be contacted by, other financial service providers, debt relief providers, aggregators, and marketers offering products that are not loans, and that this consent to be contacted applies to them as well." Once the user has explicitly agreed, set tcpaConsent to true and submit the application. This tool always returns a URL for the user: either a direct lender match or curated loan options. May return "additional_information_needed" with extra fields to improve matching.

{
  "type": "object",
  "properties": {
    "loanAmount": {
      "type": "number",
      "minimum": 100,
      "maximum": 40000,
      "description": "Amount in US dollars between $100 and $40,000. We'll find the best options for you based on this amount. Minimum: $100 Maximum: $40000"
    },
    "loanPurpose": {
      "type": "string",
      "description": "Choose the option that best describes the primary reason for the loan. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Bills, Purchases, Loan Repayment, Rent or Mortgage, Emergency Expenses, Debt Consolidation, Other, Home Improvement, Education, Travel, Medical Expense, Car Purchase, Business"
    },
    "monthlyIncome": {
      "type": "string",
      "description": "Your take-home pay after taxes, per month. An estimate is fine — this helps match you with lenders who fit your income level. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: $10,000 or More, $9,000 - $10,000, $8,000 - $9,000, $7,000 - $8,000, $6,000 - $7,000, $5,000 - $6,000, $4,000 - $5,000, $3,000 - $4,000, $2,500 - $3,000, $2,000 - $2,500, $1,500 - $2,000, Below $1,500"
    },
    "totalDebt": {
      "type": "string",
      "description": "Total outstanding unsecured debt (credit cards, personal loans, medical bills, etc.) — not including mortgage or auto loans. An estimate is fine. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: $20,000 or More, $15,000 - $20,000, $10,000 - $15,000, $5,000 - $10,000, $3,000 - $5,000, $2,000 - $3,000, $1,000 - $2,000, None"
    },
    "creditScore": {
      "type": "string",
      "description": "All credit scores are welcome — including no credit history. This helps us match you with the right lenders. Checking does not impact your score. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Excellent (720+), Good (660-719), Fair (600-659), Poor (Under 600), No credit or not sure"
    },
    "employmentStatus": {
      "type": "string",
      "description": "Choose what best applies. All employment types are accepted including benefits recipients and military. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Employed, Self-employed, Unemployed, Active-duty military"
    },
    "paymentFrequency": {
      "type": "string",
      "description": "Your pay schedule — how often income is deposited into your account. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Monthly, Twice a month, Bi-weekly, Weekly"
    },
    "streetAddress": {
      "type": "string",
      "description": "Street address Your current US mailing address — for verification only. Example: 123 Main St"
    },
    "city": {
      "type": "string",
      "description": "City City of your current mailing address."
    },
    "state": {
      "type": "string",
      "description": "State Two-letter US state abbreviation (e.g. CA, TX, NY, FL)."
    },
    "zipCode": {
      "type": "string",
      "description": "ZIP code 5-digit US ZIP code for your mailing address."
    },
    "homeOwnership": {
      "type": "string",
      "description": "Your current housing situation. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Own, Rent"
    },
    "hasCheckingAccount": {
      "type": "string",
      "description": "A checking account is typically required for loan deposit. Savings accounts do not qualify. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Yes, No"
    },
    "directDeposit": {
      "type": "string",
      "description": "Whether your income is automatically deposited into your bank account by your employer or benefits provider. Natural language and synonyms are accepted (e.g. \"fair\", \"consolidate debt\", \"biweekly\", \"4500\"). Options: Yes, No"
    },
    "firstName": {
      "type": "string",
      "description": "First name Legal first name — required to verify your identity. 2-30 letters only."
    },
    "lastName": {
      "type": "string",
      "description": "Last name Legal last name — required to verify your identity. 2-30 letters only."
    },
    "dateOfBirth": {
      "type": "string",
      "description": "Date of birth Format: YYYY-MM-DD. Must be 18 or older. Required to verify your identity."
    },
    "email": {
      "type": "string",
      "description": "Email address Your email address. Kept private and secure — used to send your loan match results."
    },
    "phone": {
      "type": "string",
      "description": "Phone number 10-digit US mobile or home phone number. Cannot start with 0 or 1."
    },
    "socialSecurityNumber": {
      "type": "string",
      "description": "Social Security Number 9-digit SSN with no dashes (e.g. 123456789). For identity verification only — does not impact your credit score. Transmitted with bank-level encryption."
    },
    "tcpaConsent": {
      "type": "boolean",
      "description": "Set to true ONLY after you have displayed the full TCPA/consent disclosure to the user verbatim and the user has explicitly agreed (e.g. said \"I agree\" or \"I consent\"). Never set this to true without explicit user agreement."
    }
  },
  "required": [
    "loanAmount",
    "loanPurpose",
    "monthlyIncome",
    "totalDebt",
    "creditScore",
    "employmentStatus",
    "paymentFrequency",
    "streetAddress",
    "city",
    "state",
    "zipCode",
    "homeOwnership",
    "hasCheckingAccount",
    "directDeposit",
    "firstName",
    "lastName",
    "dateOfBirth",
    "email",
    "phone",
    "socialSecurityNumber",
    "tcpaConsent"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}

Submit additional information for a loan application that previously returned "additional_information_needed". Requires the application_reference token from that response.

{
  "type": "object",
  "properties": {
    "application_reference": {
      "type": "string",
      "description": "Reference token from the previous submit_loan_application response"
    },
    "employerName": {
      "type": "string",
      "description": "Employer name Name of your current employer or business. For verification only — your employer will not be contacted."
    },
    "employerPhone": {
      "type": "string",
      "description": "Employer phone number 10-digit phone number for your employer. For verification only — your employer will not be contacted."
    },
    "nextPayDate": {
      "type": "string",
      "description": "Your next pay date Format: YYYY-MM-DD. The date your next paycheck will be deposited. Must be today or within the next 31 days."
    },
    "routingNumber": {
      "type": "string",
      "description": "Bank routing number 9-digit ABA routing number for your checking account — found at the bottom left of a check or in your banking app. Used to deposit funds if matched."
    },
    "accountNumber": {
      "type": "string",
      "description": "Bank account number Your checking account number — found on a check or in your banking app. 4-25 digits. Used to deposit funds if matched."
    },
    "ownsVehicle": {
      "type": "string",
      "description": "Whether you own a car, truck, or other vehicle — and whether it is paid off or financed. Natural language and synonyms are accepted. Options: Yes - paid off, Yes - making payments, No"
    },
    "hasDriverLicense": {
      "type": "string",
      "description": "Final identity check — one last step to see your offers. Natural language and synonyms are accepted. Options: Yes, No"
    },
    "licenseState": {
      "type": "string",
      "description": "State that issued your driver's license Two-letter state abbreviation (e.g. CA, TX). Required if you have a driver's license."
    },
    "licenseNumber": {
      "type": "string",
      "description": "Driver's license number 4-25 alphanumeric characters as printed on your license. Required if you have a driver's license."
    }
  },
  "required": [
    "application_reference",
    "employerName",
    "employerPhone",
    "nextPayDate",
    "routingNumber",
    "accountNumber",
    "ownsVehicle",
    "hasDriverLicense"
  ],
  "$schema": "http://json-schema.org/draft-07/schema#"
}