# LendAPI

**Canonical:** https://apis.io/providers/lendapi/  
**Website:** https://lendapi.com/  
**APIs profiled:** 13

LendAPI is a no-code / low-code loan origination and digital account-opening platform for banks, credit unions, fintechs and embedded-finance programs. Its Product Studio lets teams assemble a lending product -- application form, underwriting logic, pricing and servicing -- without writing code, backed by a versioned decision engine, a versioned pricing engine, DocAI document processing, UnderwriteAI and ARC AI scoring, KYC/KYB verification, two-way SMS, virtual cards and the Embarc loan management system. A marketplace of pre-integrated data partners covers credit bureaus, identity verification, open banking, cash-flow analytics and income verification. The REST API documented at developer.lendapi.com exposes the same primitives programmatically: create and advance applications, run decisions and pricing, manage tenant-defined variables and sub-tenants, pull bureau credit reports, compute amortization schedules and score credit risk. LendAPI is SOC 2 Type 2 attested and serves use cases across point-of-sale finance, buy-now-pay-later, auto lending, fix-and-flip, retail in-store lending and embedded finance.

## Kin Score — 52.7 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 52.7).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 69.1 |
| Governance | 20.8 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 69.0 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Insurance**: 45.5 (matched via tags).

## Agent readiness — 52.5 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (13)

- **LendAPI Amortization API** — The Amortization API from LendAPI — 1 operation(s) for amortization.
- **LendAPI Application API** — The Application API from LendAPI — 3 operation(s) for application.
- **LendAPI Credit Risk API** — The Credit Risk API from LendAPI — 1 operation(s) for credit risk.
- **LendAPI Decision API** — The Decision API from LendAPI — 3 operation(s) for decision.
- **LendAPI Decisions API** — The Decisions API from LendAPI — 1 operation(s) for decisions.
- **LendAPI Get App Credit Report API** — The Get App Credit Report API from LendAPI — 1 operation(s) for get app credit report.
- **LendAPI Outcomes API** — The Outcomes API from LendAPI — 1 operation(s) for outcomes.
- **LendAPI Page Submit API** — The Page Submit API from LendAPI — 1 operation(s) for page submit.
- **LendAPI Pricing Engine API** — The Pricing Engine API from LendAPI — 3 operation(s) for pricing engine.
- **LendAPI Pricing Engines API** — The Pricing Engines API from LendAPI — 1 operation(s) for pricing engines.
- **LendAPI Sub Tenant API** — The Sub Tenant API from LendAPI — 2 operation(s) for sub tenant.
- **LendAPI Sub Tenants API** — The Sub Tenants API from LendAPI — 1 operation(s) for sub tenants.
- **LendAPI Variable API** — The Variable API from LendAPI — 1 operation(s) for variable.

## MCP servers (1)

- **lendapi-mcp.yml**

## Security (2)

- **Lendapi Authentication** — apiKey · 1 scheme
- **Lendapi Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Lending, Loan Origination, Financial Services, Fintech, Embedded Finance, Underwriting, Decision Engine, Credit, Banking, Account Opening, KYC, KYB, Buy Now Pay Later, Point of Sale

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/lendapi/). Scores are computed from the provider's own public artifacts under a published rubric.