Even Financial

Even Financial Approval Probability API

Approval probability reports contains data about the likelihood that a user with specified attributes will be approved for particular product offers. The user attributes are passed in the request's `POST` body. Attributes are specific to the product in questions and do not include personally identifiable information. The approval probabilty data is calculated per financial institution, as well as across the entire Engine by MoneyLion network. Within each of these groups, offer probablilities may be further broken down according to product attributes. For loans, for example, approval probabilities are associated with offer APR range and optionally product sub-type.

GitHub OpenAPI

Operations 2

POST /approvalProbability/loanReports Get a loan approval probability report #
GET /approvalProbability/loanReports/{uuid} Get approval probability loan report #

Documentation

📖
APIReference
https://engine.tech/docs/api-reference/

Specifications

⚙
OpenAPI
https://raw.githubusercontent.com/api-evangelist/even-financial/refs/heads/main/openapi/even-financial-approval-probability-api-openapi.yml

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OpenAPI Specification

even-financial-approval-probability-api-openapi.yml Raw ↑ 
openapi: 3.2.0
info:
  title: Engine by MoneyLion Approval Probability API
  version: 1.106.0
  termsOfService: https://engine.tech/about/legal#terms
  contact:
    name: API Support
    url: https://engine.tech/docs
    email: help@engine.tech
  description: Approval probability reports contains data about the likelihood that a user with specified attributes will be approved for particular product offers.
servers:
- url: https://api.engine.tech
tags:
- name: Approval Probability
  description: Approval probability reports contains data about the likelihood that a user with specified attributes will be approved for particular product offers.
paths:
  /approvalProbability/loanReports:
    post:
      x-implemented-by:
        service: approval-probability
        path: /approvalProbability/loanReports
      summary: Get a loan approval probability report
      description: Get a report on approval probabilities for loan offers for a specified cohort of users.
      operationId: createLoansApprovalProbabilityReport
      security:
      - experimentalBearerToken: []
      tags:
      - Approval Probability
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LoanReportCreateData'
            examples:
              loanApprovalProbabilityCreateData:
                $ref: '#/components/examples/LoanApprovalProbabilityCreateData'
      responses:
        '201':
          description: Success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanReport'
              examples:
                loanApprovalProbabilityReport:
                  $ref: '#/components/examples/LoanApprovalProbabilityReport'
        '400':
          $ref: '#/components/responses/MalformedRequest'
        '401':
          $ref: '#/components/responses/UnauthorizedRequest'
        '422':
          $ref: '#/components/responses/InvalidRequest'
  /approvalProbability/loanReports/{uuid}:
    parameters:
    - name: uuid
      in: path
      required: true
      schema:
        type: string
        format: uuid
    get:
      x-implemented-by:
        service: approval-probability
        path: /approvalProbability/loanReports/{uuid}
      summary: Get approval probability loan report
      description: Get the approval probability report for a specified UUID. If the UUID is unkown, a `404 Not Found` response will be returned.
      operationId: getLoansApprovalProbabilityReport
      security:
      - experimentalBearerToken: []
      tags:
      - Approval Probability
      responses:
        '200':
          description: Success
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/LoanReport'
              examples:
                loanApprovalProbabilityReport:
                  $ref: '#/components/examples/LoanApprovalProbabilityReport'
        '400':
          description: Malformed request
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/ApiError'
              examples:
                invalidUuidPathParameter:
                  $ref: '#/components/examples/InvalidUuidPathParameter'
        '401':
          $ref: '#/components/responses/UnauthorizedRequest'
        '404':
          description: Unknown UUID
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/ApiError'
components:
  responses:
    MalformedRequest:
      description: Malformed request
      content:
        application/json:
          schema:
            type: array
            items:
              $ref: '#/components/schemas/ApiError'
          examples:
            invalidUuidPathParameter:
              $ref: '#/components/examples/InvalidUuidPathParameter'
    InvalidRequest:
      description: Invalid request
      content:
        application/json:
          schema:
            type: array
            items:
              $ref: '#/components/schemas/ApiError'
    UnauthorizedRequest:
      description: Unauthorized request
      content:
        application/json:
          schema:
            type: array
            items:
              $ref: '#/components/schemas/ApiError'
          examples:
            missingAccessToken:
              summary: Access token was not specified
              value:
              - message: Access token is missing
  schemas:
    ApiError:
      type: object
      properties:
        attribute:
          type: string
          description: 'The attribute that this error applies to. Omitted if this error is not in the context of a resource, or cannot be isolated to a single attribute.

            '
        type:
          type: string
          description: 'A classification for this error, which can be used to render the appropriate custom error template, or take other programmatic actions.

            '
        details:
          description: 'Variables associated with this error that can be injected into a custom error template, or used to parameterize any other programatic actions.

            '
          allOf:
          - $ref: '#/components/schemas/ApiErrorDetails'
        message:
          type: string
          description: 'A human-readable, English description of the error.

            '
    State:
      type: string
      format: state
      title: state
      description: A two character upper case state, Puerto Rico, or District of Columbia code
      enum:
      - AK
      - AL
      - AR
      - AZ
      - CA
      - CO
      - CT
      - DC
      - DE
      - FL
      - GA
      - HI
      - IA
      - ID
      - IL
      - IN
      - KS
      - KY
      - LA
      - MA
      - MD
      - ME
      - MI
      - MN
      - MO
      - MS
      - MT
      - NC
      - ND
      - NE
      - NH
      - NJ
      - NM
      - NV
      - NY
      - OH
      - OK
      - OR
      - PA
      - PR
      - RI
      - SC
      - SD
      - TN
      - TX
      - UT
      - VA
      - VI
      - VT
      - WA
      - WI
      - WV
      - WY
    LoanReportCreateData:
      type: object
      required:
      - annualIncome
      - creditRating
      properties:
        annualIncome:
          type: integer
          format: int32
          description: The user's annual income in dollars.
        creditRating:
          description: The user's credit score range.
          allOf:
          - $ref: '#/components/schemas/ProvidedCreditRating'
        totalDebt:
          type: integer
          format: int32
          description: The user's total debt in dollars.
        countOfDerogatories:
          type: integer
          format: int32
          description: The number of derogatory accounts listed on the user's credit report.
        state:
          description: The user's state of residence.
          allOf:
          - $ref: '#/components/schemas/State'
        loanPurpose:
          description: The reason for the loan.
          allOf:
          - $ref: '#/components/schemas/LoanPurpose'
        loanAmount:
          type: integer
          format: int32
          description: The size of the the loan.
    ApiErrorDetails:
      type: object
      additionalProperties:
        type: string
    ProvidedCreditRating:
      type: string
      enum:
      - excellent
      - good
      - fair
      - poor
      - limited
      - unknown
    LoanProbability:
      type: object
      required:
      - probability
      - aprPercentMin
      - aprPercentMax
      - termMonthsMin
      - termMonthsMax
      properties:
        probability:
          type: number
          format: double
          description: The likelihood of approval for loans that match the criteria.
        aprPercentMin:
          type: number
          format: double
          description: The minimum APR for loans with this approval probability.
        aprPercentMax:
          type: number
          format: double
          description: The maximum APR for loans with this approval probability.
        termMonthsMin:
          type: integer
          format: int64
          description: The minimum term length for loans with this approval probability.
        termMonthsMax:
          type: integer
          format: int64
          description: The maximum term length for loans with this approval probability.
        productSubType:
          description: The optional loan sub-type of loans with this approval probability.
          allOf:
          - $ref: '#/components/schemas/ProductSubType'
    LoanReport:
      type: object
      required:
      - uuid
      - annualIncome
      - creditRating
      - networkProbabilities
      - financialInsitutions
      - createdAt
      properties:
        uuid:
          type: string
          format: uuid
          description: A unique identifier for this report.
        annualIncome:
          type: integer
          format: int32
          description: The user's annual income in dollars.
        creditRating:
          description: The user's credit score range.
          allOf:
          - $ref: '#/components/schemas/ProvidedCreditRating'
        totalDebt:
          type: integer
          format: int32
          description: The user's total debt in dollars.
        countOfDerogatories:
          type: integer
          format: int32
          description: The number of derogatory accounts listed on the user's credit report.
        state:
          description: The user's state of residence.
          allOf:
          - $ref: '#/components/schemas/State'
        loanPurpose:
          description: The reason for the loan.
          allOf:
          - $ref: '#/components/schemas/LoanPurpose'
        loanAmount:
          type: integer
          format: int32
          description: The size of the the loan.
        networkProbabilities:
          type: array
          items:
            $ref: '#/components/schemas/LoanProbability'
          description: Probabilities for classes of loans, irrespective of financial institution.
        financialInsitutions:
          type: array
          items:
            $ref: '#/components/schemas/FinancialInstitutionLoanReport'
          description: Probabilities broken out for specific financial institutions.
        createdAt:
          type: string
          format: date-time
          description: When this report was created.
    FinancialInstitutionLoanReport:
      type: object
      required:
      - uuid
      - name
      - probabilities
      properties:
        uuid:
          type: string
          format: uuid
          description: The unique identifier for the financial institution.
        name:
          type: string
          description: The name of the financial institution.
        logoUrl:
          type: string
          description: A URL of a logo for the financial institution.
        probabilities:
          type: array
          items:
            $ref: '#/components/schemas/LoanProbability'
          description: The approval probabilities for the financial intitution.
    ProductSubType:
      type: string
      description: A type of financial product
      enum:
      - credit_card
      - secured_card
      - student_card
      - personal_loan
      - secured_loan
      - student_loan_refinance
      - co_applicant_loan
      - line_of_credit
      - automobile_refinance
      - home_equity_line_of_credit
      - purchase
      - refinance
      - savings_account
      - money_market_account
      - certificate_of_deposit
      - individual_retirement_account
      - cash_management_account
      - high_interest_checking
      - checking
      - accidental_death_benefits
      - term_life
      - term_life_instant
      - whole_life
      - bill_reduction
      - debt_relief
      - installment_loans
      - credit_builder
      - cash_advance
      - credit_repair
      - education_offers
      - employment_opportunity
      - financial_wellness
      - direct_affiliate
      - overdraft_protection
      - revenue_based_financing
      - installment_loan_more_offers
      - credit_card_more_offers
      - credit_repair_more_offers
      - student_loan
      - health
      - auto_and_vehicle
      - games
      - home
      - rewards
      - life_insurance
      - auto_insurance
      - specialty_vehicle_insurance
      - home_owners_insurance
      - renters_insurance
      - uncategorized
      - buy_now_pay_later
      - home_equity_agreements
      - cash_advance_moneylion
      - unknown
    LoanPurpose:
      type: string
      enum:
      - 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
  examples:
    LoanApprovalProbabilityCreateData:
      summary: Loan approval probability create data
      value:
        annualIncome: 75000
        creditRating: excellent
        totalDebt: 10000
        countOfDerogatories: 0
        state: NY
        loanPurpose: debt_consolidation
        loanAmount: 10000
    LoanApprovalProbabilityReport:
      summary: Loan approval probability report
      value:
        annualIncome: 75000
        creditRating: excellent
        totalDebt: 10000
        countOfDerogatories: 0
        state: NY
        loanPurpose: debt_consolidation
        loanAmount: 10000
        networkProbabilities:
        - probability: 79.67534
          aprLow: 12.76
          aprHigh: 19.85
        financialInsitutions:
        - uuid: 005b235e-9388-5e96-9d43-d1b6fd587652
          name: Alpha, Inc.
          logoUrl: https://aff-tag.evenfinancial.com/images/alpha/Alpha_120x80.png
          probabilities:
          - probability: 49.945
            aprLow: 15.25
            aprHigh: 19.85
        - uuid: c5e7db20-81a4-4fe4-9100-fb8b3ae84f02
          name: Beta Inc.
          logoUrl: https://aff-tag.evenfinancial.com/images/beta/Beta_120x80.png
          probabilities:
          - probability: 84.5421
            aprLow: 12.76
            aprHigh: 18.85
    InvalidUuidPathParameter:
      summary: Invalid UUID in path parameter
      value:
      - message: Bad request.
        details: 'Cannot parse parameter uuid as UUID: Invalid UUID string: 123'
  securitySchemes:
    publishableBearerToken:
      type: http
      scheme: bearer
      description: 'A bearer token that is assumed to be published in application code and downloaded to a user''s device. As a result, it only has restricted access to the API.

        '
    confidentialBearerToken:
      type: http
      scheme: bearer
      description: 'A bearer token that is assumed to be managed like a password or any other confidential secret. As a result, it has access to sensitive API endpoints.

        '
    experimentalBearerToken:
      type: http
      scheme: bearer
      description: 'A bearer token that is used to access experimental endpoints that are not yet available for all partners. It may be treated the same as a `publishableBearerToken`.

        '
externalDocs:
  description: Engine by MoneyLion API Reference
  url: https://engine.tech/docs/api-reference/