LendKey
LendKey Technologies is a New York based digital lending platform that lets credit unions and community banks originate, fund and service consumer loans without building the technology themselves. Its network-lending model covers private student loans, student loan refinancing, home improvement lending and auto lending, and its ALIRO platform runs loan participations and post-origination liquidity between institutions. LendKey has surpassed $8 billion in loan originations. For integrators it operates a Kong Gateway fronted API estate published through a Kong Developer Portal at developer.lendkey.com, covering origination intake (leads, soft credit pull, credit attributes, scoring and application boarding), treasury management (loan inventory, disbursements, payments and capital ledger), and DocuSign backed e-signature contracts. Access is partner gated, with OAuth2 client-credentials credentials issued through the developer portal.
LendKey publishes 15 API contracts indexed on the APIs.io network, including Application Contracts API, Applications API, Auth API, and 12 more. Tagged areas include Company, Fintech, Lending, Loans, and Student Loans.
The LendKey catalog on APIs.io includes 1 event-driven AsyncAPI specification.
LendKey’s developer surface includes documentation, API reference, signup flow, support, engineering blog, authentication, sandbox, and 19 more developer resources.
What this lets a business do 2
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Consumer Lending Licensing (UK, US, Canada credit licence registers) | undeclared | - | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
APIs 15
Individual APIs this provider publishes, each with its own machine-readable definition.
LendKey Application Contracts API
Endpoints for creating and managing loan application contracts
LendKey Applications API
The applications API from LendKey — 1 operation(s) for applications.
LendKey Auth API
The auth API from LendKey — 1 operation(s) for auth.
LendKey Authentication API
OAuth2 authentication endpoints
LendKey Credit Risk API
The Credit Risk API from LendKey — 4 operation(s) for credit risk.
LendKey Disbursements API
Disbursement processing and cancellation
LendKey Email API
The email API from LendKey — 2 operation(s) for email.
LendKey Internal API
Internal API operations for request logging
LendKey Leads API
The leads API from LendKey — 1 operation(s) for leads.
LendKey Ledger Management API
Capital ledger operations
LendKey Lender Templates API
Manage DocuSign template assignments for lenders
LendKey Loans API
Loan creation and management
LendKey Onboarding API
The onboarding API from LendKey — 1 operation(s) for onboarding.
LendKey Payments API
Payment and remittance processing
LendKey Webhooks API
Endpoints for receiving DocuSign webhook notifications
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Open Collections 15
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
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Agent Skills 3
Packaged agent skills for driving this provider's APIs from an AI assistant.
LendKey E-Sign contract flow
AGENT SKILLLendKey Treasury loan ledger operations
AGENT SKILLEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Lendkey Webhooks
ASYNCAPIOpenAPI Overlays 4
Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.
Lendkey Esign Overlay
DERIVEDLendkey Integration Overlay
DERIVEDSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Resources
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 2
Properties that don't map to a standard resource type
Source (apis.yml)
LendKey API — frequently asked questions
Does LendKey have an API?
Yes. APIs.io lists 15 APIs from LendKey, including LendKey Application Contracts API, LendKey Applications API and LendKey Auth API, and 12 more.
Is there an OpenAPI specification for the LendKey API?
Yes. APIs.io indexes 15 OpenAPI specifications for LendKey, each linked for download from this page.
How do I authenticate with the LendKey API?
LendKey documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Lendkey Authentication.
Is the LendKey API ready for AI agents?
LendKey has a Kin Score of 43.4 out of 100 (developing) and an Agent Readiness score of 34.5 (agent-ready), scored by API Evangelist on 2026-10-31.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.