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APIFLY
en lv

API connector for the lending market

One integration. Multiple partners.

Apifly connects credit comparison platforms with lenders through a single API. You send one application — we deliver it to every partner in their own format and return unified statuses. Less IT work, faster growth.

Get in touch How it works
integration on your side
1
unified status standard
1
lines of lender-specific code
0

The problem

API integrations giving you a headache?

Every lender has its own API, its own authentication and its own status names. With each new partner your IT team inherits yet another integration to maintain.

  1. 01

    Different data formats

    The same application has to be reshaped for every lender, with a different structure and different required fields.

    • A "amount": 3000
    • B "loanAmount": "3000.00"
    • C "sum_cents": 300000

    With Apifly: "amount": 3000

  2. 02

    Different authentication

    API keys, tokens and signatures — each partner has its own approach and its own security rules.

    • A Authorization: Bearer …
    • B X-Api-Key: …
    • C X-Signature: hmac-sha256=…

    With Apifly: Authorization: Bearer …

  3. 03

    Unpredictable callbacks

    Responses arrive asynchronously, in different shapes and sometimes more than once. Every one has to be received, verified and stored.

    • A "APPROVED"
    • B "offer_accepted"
    • C "status": 3

    With Apifly: "normalized_status": "approved"

  4. 04

    Endless maintenance

    When a lender changes its API, every platform has to ship the change separately — and usually in a hurry.

    • A POST /v1/apply
    • B POST /v2/applications
    • C Sunset: 2026-12-31

    With Apifly: POST /api/submissions

How it works

From one application to every answer

Apifly sits between your platform and the lenders and takes on all of the integration complexity.

  1. 1

    Send one application

    Your platform sends a loan application in one unified format and chooses which lenders should receive it.

  2. 2

    Apifly delivers it

    The application is transformed into each lender's format and sent only to the partners enabled for you.

  3. 3

    Responses are normalized

    Lender responses are verified, deduplicated and mapped to one unified standard for statuses and offers.

  4. 4

    You get one consistent update

    Every status change reaches your system via webhook in the same format — whichever lender it came from.

Your platform 1× API APIFLY LENDERS approved pending approved need_more_info

Benefits

Fewer integrations. More time for business.

Apifly lets your team focus on the product instead of each partner's API quirks.

Lender API changed lender-b · v2
apifly/adapters/lender-b

-POST /v1/apply

+POST /v2/applications

-"loanAmount": "3000.00"

+"amount_cents": 300000

Updated on the Apifly side
Your integration POST /api/submissions

$ git diff --stat

0 files changed

Nothing to change on your side

Same for every lender

normalized_status

  • queued
  • sent
  • pending
  • approved
  • declined
  • need_more_info
  • manual_check
  • expired
  • skipped

offer

amount
number · EUR
term_months
integer
interest_percent
number · %
monthly_payment
number · EUR
apr
number · %

Without Apifly

A separate integration for each lender

  • A
  • B
  • C
  • D

build maintain

With Apifly

One integration

  • Lender A
  • Lender B
  • Lender C
  • Lender D

Lenders are switched on as needed

Event log

app-10482

  1. 14:02:11 submission.accepted 202
  2. 14:02:11 lender.sent lender-a
  3. 14:02:12 lender.sent lender-b
  4. 14:02:12 lender.skipped lender-c · not enabled
  5. 14:03:40 callback.received lender-a · pending
  6. 14:03:41 callback.duplicate ignored
  7. 14:09:05 callback.received lender-b · approved
  8. 14:09:05 webhook.delivered 200 OK

Who it's for

Built for both sides of the market

For platforms

Credit comparison platforms

Offer your customers more lenders without maintaining dozens of separate integrations.

  • One API contract for every lender
  • Unified statuses and offer data
  • Retried requests never create duplicates
  • Client portal for API keys and settings

For lenders

Lenders

Reach more comparison platforms through one integration instead of adapting to each of them separately.

  • Your existing API stays unchanged
  • Faster onboarding to new platforms
  • Structured, validated application data
  • One technical point of contact

Let's talk about your integrations

Tell us which lenders or platforms you work with, and we will show you how to connect them through a single API.

Get in touch apifly@apifly.lv