LendAPI · Authentication Profile

Lendapi Authentication

Authentication

LendAPI secures its APIs with apiKey across 1 declared security scheme, as derived from its OpenAPI definitions.

CompanyLendingLoan OriginationFinancial-ServicesFintechEmbedded FinanceUnderwritingDecision EngineCreditBankingAccount OpeningKYCKYBBuy Now Pay LaterPoint-of-Sale
Methods: apiKey Schemes: 1 OAuth flows: API key in: header

Security Schemes

sec0 apiKey
· in: header (AUTHORIZATION)

Source

Authentication Profile

Raw ↑
generated: '2026-07-19'
method: searched
source: openapi/lendapi-openapi.json
docs: https://developer.lendapi.com/reference/introduction
summary:
  types:
  - apiKey
  api_key_in:
  - header
  oauth2_flows: []
  scopes: none
schemes:
- name: sec0
  type: apiKey
  in: header
  parameter: AUTHORIZATION
  value_format: 'Bearer <api_key>'
  default_example: Bearer [example key]
  applied: global
  sources:
  - openapi/lendapi-openapi.json
environment_selection:
  mechanism: api-key
  modes:
  - test
  - live
  detail: >-
    "The mode in which your request operates, either live or test, is determined by the
    API key used for authentication." One header, one host -- the key alone decides
    whether the call touches live data.
  source: https://developer.lendapi.com/reference/introduction
notes: >-
  LendAPI uses a single API-key scheme applied globally to all 20 published
  operations. The header is spelled AUTHORIZATION and the value is bearer-formatted,
  but the scheme is declared as apiKey rather than http/bearer in the definition.
  There is no OAuth 2.0, no OpenID Connect, no mTLS, and therefore no scope or
  consent model -- see conventions/lendapi-conventions.yml. Key rotation, expiry and
  provisioning are not documented in the public developer portal; keys are issued
  through the LendAPI application at https://app.lendapi.com/login/.
gaps:
- No 401 or 403 response is documented on any operation.
- No key rotation, expiry, or revocation policy is published.
- No scope, permission, or least-privilege model exists for keys.

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