submit_loan_application
CONSENT REQUIRED BEFORE CALLING THIS TOOL. Before submitting a loan application, you MUST display the following disclosure to the user verbatim and obtain their explicit agreement (e.g. they say "I agree", "I consent", or "Yes"). Do NOT call this tool until the user has explicitly agreed.
DISCLOSURE: "By submitting this application, you: (1) consent to and agree with IncredibleFi's Terms of Service, Privacy Policy, Credit Authorization Agreement, E-Consent, Arbitration Notice, Advertiser Disclosure, and Personal Loan Notice; (2) certify that all information herein is true and complete; (3) provide written instructions under the Fair Credit Reporting Act for the Marketplace Partners with whom IncredibleFi.com connects you to obtain your consumer credit report from contracted Credit Bureau(s) associated with your pre-qualification for credit inquiry; (4) understand your information will be presented to a network of lenders and/or lending partners who will review and verify your information to determine if you may qualify for a loan, and that lenders and financial service providers may share your personal information including approval and funded status; and (5) provide express consent to recurring communication at the telephone number provided by Acqscale, Inc. (IncredibleFi.com) and its Marketplace Partners. Consent is not required to purchase any goods or services; and (6) understand that if you are not connected with a lender, your information may be shared with, and you may be contacted by, other financial service providers, debt relief providers, aggregators, and marketers offering products that are not loans, and that this consent to be contacted applies to them as well."
Once the user has explicitly agreed, set tcpaConsent to true and submit the application. This tool always returns a URL for the user: either a direct lender match or curated loan options. May return "additional_information_needed" with extra fields to improve matching.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| city | Yes | City City of your current mailing address. | |
| Yes | Email address Your email address. Kept private and secure — used to send your loan match results. | ||
| phone | Yes | Phone number 10-digit US mobile or home phone number. Cannot start with 0 or 1. | |
| state | Yes | State Two-letter US state abbreviation (e.g. CA, TX, NY, FL). | |
| zipCode | Yes | ZIP code 5-digit US ZIP code for your mailing address. | |
| lastName | Yes | Last name Legal last name — required to verify your identity. 2-30 letters only. | |
| firstName | Yes | First name Legal first name — required to verify your identity. 2-30 letters only. | |
| totalDebt | Yes | Total outstanding unsecured debt (credit cards, personal loans, medical bills, etc.) — not including mortgage or auto loans. An estimate is fine. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: $20,000 or More, $15,000 - $20,000, $10,000 - $15,000, $5,000 - $10,000, $3,000 - $5,000, $2,000 - $3,000, $1,000 - $2,000, None | |
| loanAmount | Yes | Amount in US dollars between $100 and $40,000. We'll find the best options for you based on this amount. Minimum: $100 Maximum: $40000 | |
| creditScore | Yes | All credit scores are welcome — including no credit history. This helps us match you with the right lenders. Checking does not impact your score. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Excellent (720+), Good (660-719), Fair (600-659), Poor (Under 600), No credit or not sure | |
| dateOfBirth | Yes | Date of birth Format: YYYY-MM-DD. Must be 18 or older. Required to verify your identity. | |
| loanPurpose | Yes | Choose the option that best describes the primary reason for the loan. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Bills, Purchases, Loan Repayment, Rent or Mortgage, Emergency Expenses, Debt Consolidation, Other, Home Improvement, Education, Travel, Medical Expense, Car Purchase, Business | |
| tcpaConsent | Yes | Set to true ONLY after you have displayed the full TCPA/consent disclosure to the user verbatim and the user has explicitly agreed (e.g. said "I agree" or "I consent"). Never set this to true without explicit user agreement. | |
| directDeposit | Yes | Whether your income is automatically deposited into your bank account by your employer or benefits provider. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Yes, No | |
| homeOwnership | Yes | Your current housing situation. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Own, Rent | |
| monthlyIncome | Yes | Your take-home pay after taxes, per month. An estimate is fine — this helps match you with lenders who fit your income level. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: $10,000 or More, $9,000 - $10,000, $8,000 - $9,000, $7,000 - $8,000, $6,000 - $7,000, $5,000 - $6,000, $4,000 - $5,000, $3,000 - $4,000, $2,500 - $3,000, $2,000 - $2,500, $1,500 - $2,000, Below $1,500 | |
| streetAddress | Yes | Street address Your current US mailing address — for verification only. Example: 123 Main St | |
| employmentStatus | Yes | Choose what best applies. All employment types are accepted including benefits recipients and military. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Employed, Self-employed, Unemployed, Active-duty military | |
| paymentFrequency | Yes | Your pay schedule — how often income is deposited into your account. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Monthly, Twice a month, Bi-weekly, Weekly | |
| hasCheckingAccount | Yes | A checking account is typically required for loan deposit. Savings accounts do not qualify. Natural language and synonyms are accepted (e.g. "fair", "consolidate debt", "biweekly", "4500"). Options: Yes, No | |
| socialSecurityNumber | Yes | Social Security Number 9-digit SSN with no dashes (e.g. 123456789). For identity verification only — does not impact your credit score. Transmitted with bank-level encryption. |