Personal Loans | Citi Docs Demo

Overview

The Personal Loans API lets you pre-qualify a customer with a soft credit check, present personalized rate and term offers, and originate the loan once they accept. Because pre-qualification uses a soft inquiry, customers can see their options without affecting their credit score.

The lending flow

Pre-qualify

Submit the customer’s requested amount and consent. A soft credit check returns the offers they qualify for.

Present offers

Show the available amounts, APRs, terms, and monthly payments so the customer can choose.

Accept an offer

The customer selects an offer and agrees to the disclosures. This triggers a hard credit inquiry.

Fund the loan

On approval, funds are disbursed to the customer’s chosen deposit account.

{
  "applicantConsent": true,
  "requestedAmount": { "value": 10000.00, "currency": "USD" }
}

{
  "prequalId": "pq_2210",
  "offers": [
    { "offerId": "off_a1", "amount": 10000.00, "apr": 8.99, "termMonths": 36, "monthlyPayment": 317.94 },
    { "offerId": "off_a2", "amount": 10000.00, "apr": 10.49, "termMonths": 60, "monthlyPayment": 214.94 }
  ]
}

Pre-qualification uses a soft credit inquiry and does not affect the customer’s credit score. A hard inquiry occurs only when the customer accepts an offer.

Offer fields

Field	Description
`amount`	Approved principal
`apr`	Annual percentage rate
`termMonths`	Repayment term in months
`monthlyPayment`	Estimated monthly payment

Offers are time-limited and expire if not accepted. Always show the offer’s expiration and re-run pre-qualification if it has lapsed.

Security requirements

Lending requests require an OAuth 2.0 access token and explicit customer consent for credit checks. See the Authentication guide.