Skip to main content

Lead Buy

This is a JSON POST API which uses API key header authorization. The API is used to help lenders make lead buy decisions.

Sandbox Posting URL https://sandbox.lokyata.ai/leadBuy

Postman collection https://www.getpostman.com/collections/b6818405f96bfdf92992

Request#

NameTypeRequiredLengthDescription
request_idstringYes64Unique ID for API request. Can be any unique ID generated by you.
lead_provider_idstringYes30Unique ID for lead provider / submitter. Values provided by Lokyata.
campaign_idstringYes64Unique ID for campaign configured by lender in lead provider system. Values provided by Lokyata (separate for each lender)
affiliate_idstringYes64Unique ID for affiliate provider. Can be any ID from your system.
affiliate_sub_idstringNo64Unique ID for sub affiliates. Can be any ID from your system.
lead_pricefloatYesLender's cost to purchase lead
application_websitestringYes300Website used by the customer during application
test_typestringNo6For testing, Deny = Returns a test decline API response; Accept = Returns a test accept message API response - ["Deny","Accept"]
ip_addressstringYes15Customer's IP address. Accepts both IPv4 & IPv6 Format.
requested_amountfloatYesRequested loan amount in USD, including dollars and cents.
ssnstringYes9Customer’s social security number. Format: all digits; no dashes.
dobdateYesCustomers date of birth. Format: yyyy-mm-dd.
genderstringNo7Customer’s gender - ["Male", "Female","Unknown", "Other"]
first_namestringYes50Customer’s first name
middle_initialstringNo1Customer’s middle initial
last_namestringYes50Customer’s last name
addressstringYes300Customer’s home street address
address2stringNo100Customer’s home address line 2 - apartment or suite number
citystringYes100City of customer's home street address
statestringYes2State where the customer resides. Format is state two-letter abbreviation. Refer to the two- letter US Postal Service (USPS) abbreviation list given at the https://www.usps.com/ web site.
zip_codestringYes10Customer’s home address zip code. Format is either nnnnn or nnnnn-nnnn.
home_phonestringYes50Customer’s home phone number. Format: All numeric digits; no special characters
mobile_phonestringYes50Customer’s mobile phone number. Format: All numeric digits; no special characters
work_phonestringNo50Customer’s work phone number. Format: All numeric digits; no special characters
drivers_license_statestringYes2State where customer's driver’s license was issued. Format is state two-letter abbreviation. Refer to the two-letter US Postal Service https://www.usps.com/
drivers_license_numberstringYes20Customer's driver’s license number. Format: No special characters
contact_timestringNo9Best time to contact the customer - ["Morning", "Afternoon", "Evening"]
is_militaryboolYestrue = Customer is a member of the US military or dependent of someone in the US military; false = Customer is not in the US military and not dependent of someone in the US military.
residence_typestringYes4Whether the customer owns or rents the residence - ["Rent" ,"Own", "Family", "Friend", "Other"].
emailstringYes300Customer’s email address. Format is abcd@abcd.abc
residence_monthsintYesNumber of months the customer is living in the current residence
is_citizenboolYestrue = Customer is a US citizen and at least 18 years old or false = Customer is not a US citizen or not at least 18 years old.
is_subscribed_future_offersboolYestrue = Customer subscribed to future offers or false = Customer did not subscribe to future offers.
num_installmentsintNoNumber of installments the system will create for the loan schedule
interest_rateintNoInterest rate to be charged on loan
languagestringNo300Language which customer speaks. If no value is specified, English is used by default.
income_typestringYes20Customer's income type - ["Employed","Self Employed","Disability", "Social Security", "Unemployed", "Pension", "Retirement", "Other"]
payment_typestringYes20Customer's payment type - ["Direct Deposit", "Paper Check", "Cash"]
employment_typestringYes10Does the customer work full or part-time - ["Full Time", "Part Time", "Not Applicable"]
employment_monthsintYesNumber of months the customer has been working with the current employer
employer_namestringYes100Name of customer’s current employer
employment_addressstringNo300Street address of the customer’s current employer
employment_address2stringNo100Suite or Apartment address of the customer’s current employer
employment_citystringNo50City where the customer’s employer is located
employment_statestringNo2State where the customer’s employer is located. Format is state two-letter abbreviation. Refer to the two-letter US Postal Service (USPS) abbreviation list given at the https://www.usps.com/ web site.
employment_zip_codestringNo10Employer’s zip code. Format is either nnnnn or nnnnn-nnnn.
employer_phonestringYes13Phone number of the customer’s employer. Format: All numeric digits; no special characters
employment_phone_extstringNo6Phone number extension of the customer’s employer
employment_faxstringNo13Fax number of the customers’ employer. Format: All numeric digits; no special characters
supervisor_namestringNo100Name of the customer’s supervisor
supervisor_phonestringNo13Work phone number of the customer’s supervisor. Format: All numeric digits; no special characters
supervisor_phone_extstringNo6Work phone number extension for the customer’s supervisor.
job_titlestringNo100Customer’s job title
work_shiftstringNo15Customer’s work shift - ["First Shift", "Second Shift", "Third Shift", "Other"]
pay_frequencystringYes15Customer’s pay schedule - ["Daily", "Weekly", "Bi- Weekly", "Twice-Monthly", "Monthly"]
last_paydatedateYesCustomer’s most recent pay date. Format: yyyy-mm-dd.
next_paydatedateYesCustomer’s next pay date. Format: yyyy-mm-dd.
second_next_paydatedateYesCustomer second pay date after the loan. Format: yyyy-mm-dd.
net_monthly_incomefloatYesCustomer’s net monthly income (after taxes and other withholding).
gross_monthly_incomefloatNoCustomer’s gross monthly income (before withholdings)
bank_account_holderstringNo100Name of the holder of the bank account
bank_namestringYes50Customer’s bank name
bank_phonestringNo13Phone number of the customer’s bank. Format: All numeric digits; no special characters
bank_account_typestringYes10Customer’s type of bank account - ["Checking", "Savings"].
bank_routing_numberstringYes9American Bankers Association (ABA) routing number for the customer’s bank. Format: All digits; no dashes (nnnnnnnnn).
bank_account_numberstringYes17Customer’s bank account number
bank_monthsintNoNumber of months the customer has had the bank account
is_direct_depositboolYesCustomer has direct deposit (true/false)
outstanding_amtfloatNoOutstanding balance of the customer on other loans
reference_first_namestringNo30Reference’s first name
reference_last_namestringNo30Reference’s last name
reference_phonestringNo10Reference’s phone number. Format: All numeric digits; no special characters
reference_relationshipstringNo15Customer’s relationship with the reference - ["Spouse", "Sibling", "Parent", "Co-worker", "Friend", "Boyfriend", "Girlfriend", "Brother", "Sister", "Employer", "Neighbor", "Other"]

Response#

NameTypeLengthDescription
decisionstring30Approved = purchase lead; Denied = decline to purchase lead - [“Approved”,”Denied”]
redirect_urlstring300Loan application URL to redirect approved customer to. Avilable only when decision is “Approved”

Example request (JSON)#

Request header#

{  "x-api-key": "<your_api_key>",  "Content-Type": "application/json"}

Request payload#

{  "lead_provider_id": "LP",  "campaign_id": "LEADPROVIDER25",  "request_id": "64109500301",  "affiliate_id": "342256601",  "affiliate_sub_id": "54321",  "lead_price": 25,  "application_website": "abcd.com",  "test_type": "Deny",  "ip_address": "124.110.100.54",  "requested_amount": 500,  "ssn": "876543210",  "dob": "1994-03-07",  "gender": "Male",  "first_name": "Charlie",  "middle_initial": "A",  "last_name": "Chaplin",  "address": "123 Main Street",  "address2": "Apt 301",  "city": "Philadelphia",  "state": "PA",  "zip_code": "54465",  "home_phone": "1234567890",  "mobile_phone": "1357924680",  "work_phone": "9998887770",  "drivers_license_state": "PA",  "drivers_license_number": "10637365",  "contact_time": "Morning",  "is_military": false,  "residence_type": "Rent",  "email": "charliechappie@gmail.com",  "residence_months": 48,  "is_citizen": true,  "is_subscribed_future_offers": true,  "num_installments": 20,  "interest_rate": 60,  "language": "English",  "income_type": "Employed",  "payment_type": "Direct Deposit",  "employment_type": "Full Time",  "employment_months": 15,  "employer_name": "Anime Pub",  "employment_address": "west block, Clinton Lane",  "employment_address2": "1145, 8th floor, Empire Plaza",  "employment_city": "Philadelphia",  "employment_state": "PA",  "employment_zip_code": "54465",  "employer_phone": "9998887776",  "employment_phone_ext": null,  "employment_fax": null,  "supervisor_name": "William Hill",  "supervisor_phone": "1231231234",  "supervisor_phone_ext": null,  "job_title": "Bartender",  "work_shift": "First Shift",  "pay_frequency": "Twice-Monthly",  "last_paydate": "2021-05-29",  "next_paydate": "2021-06-14",  "second_next_paydate": "2021-06-29",  "net_monthly_income": 3500,  "gross_monthly_income": 3800,  "bank_account_holder": "Charlie Chaplin",  "bank_name": "ABCD bank",  "bank_phone": "1112223330",  "bank_account_type": "Checking",  "bank_routing_number": "123456789",  "bank_account_number": "98765432",  "bank_months": 36,  "is_direct_deposit": true,  "outstanding_amt": 500,  "reference_first_name": "Jennifer",  "reference_last_name": "Lawrence",  "reference_phone": "1234567890",  "reference_relationship": "Spouse"}

Simple request (cURL)#

curl -H "x-api-key: <your_key>" -H "Content-Type: application/json" --data "<your_payload>" https://sandbox.lokyata.ai/leadBuy