> This page is for Consumer.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# Personal Loans

### 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](/consumer/api-docs/accounts/deposit-accounts).

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

```json
{
  "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 }
  ]
}
```

> **Info**
>
> 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 |

> **Warning**
>
> 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](/consumer/api-docs/get-started/authentication).