Mega API

For fast and easy development please use our specially designed GitHub repository for coding LLMs https://github.com/lenderlink/lenderlink-docs

This API is used to deliver data responses for multiple products. It can deliver JSON containing the data from the APIs below:

• Full Response Consumer API Integration guide

• Telco Score API

• Loan Applications Check API

• Payment Transaction Data API

• Gen-1 LenderLink Network Score

• Gen-2 LenderLink Network Score

Authentication

Obtain a token via the Authentication procedure.

Request Data

Introduction

This endpoint facilitates the generation of a borrower's full data available by their phone number.

Note:

To utilize this endpoint, an access token is required. The procedure for obtaining one is detailed in the preceding section.

Request Data Flow

Option 1

POST API

https://sandbox-app.lenderlink.ph/api/v1/person/mega-report

Accepts a raw JSON request body. Clients must send Content-Type: application/json

Authorization

Use the generated token as Bearer access token and include it into the request.

Token	eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...

Request body (JSON)

{
  "requestId": "test-02f2-4933-88f3-a73c94e83487",
  "firstName": "John",
  "lastName": "Doe",
  "dateOfBirth": "1990-01-01",
  "idNumber": "ABC123456",
  "email": "[e-mail]",
  "cellphoneNumber": "63XXXXXXXXXX",
  "productIds": "FR,PT,CHA,TS"
}

Live examples (Full Response) that can be tested on our sandbox.

 {
    "requestId": "test-09ab-4933-88f3-a73c94e83401",
    "firstName": "John",
    "lastName": "Doe",
    "dateOfBirth": "1990-01-01",
    "idNumber": "ABC123456",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230001",
    "productIds": "FR"
  },
  {
    "requestId": "test-10bc-4933-88f3-a73c94e83402",
    "firstName": "Jane",
    "lastName": "Smith",
    "dateOfBirth": "1985-07-15",
    "idNumber": "XYZ987654",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230002",
    "productIds": "FR"
  },
  {
    "requestId": "test-11cd-4933-88f3-a73c94e83403",
    "firstName": "Michael",
    "lastName": "Johnson",
    "dateOfBirth": "1978-12-30",
    "idNumber": "LMN456789",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230003",
    "productIds": "FR"
  },
  {
    "requestId": "test-12de-4933-88f3-a73c94e83404",
    "firstName": "Maria",
    "lastName": "Garcia",
    "dateOfBirth": "1992-04-20",
    "idNumber": "PQR123456",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230004",
    "productIds": "FR"
  },
  {
    "requestId": "test-13ef-4933-88f3-a73c94e83405",
    "firstName": "Wei",
    "lastName": "Chen",
    "dateOfBirth": "1980-10-05",
    "idNumber": "JKL789012",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230005",
    "productIds": "FR"
  },
  {
    "requestId": "test-14f0-4933-88f3-a73c94e83406",
    "firstName": "Soo",
    "lastName": "Lee",
    "dateOfBirth": "1995-02-18",
    "idNumber": "QRS567890",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230006",
    "productIds": "FR"
  },
  {
    "requestId": "test-33a1-4933-88f3-a73c94e83407",
    "firstName": "Rojas",
    "lastName": "Smith",
    "dateOfBirth": "1990-07-01",
    "idNumber": "ABC123456",
    "email": "[e-mail]",
    "cellphoneNumber": "639385208771",
    "productIds": "FR"
  },
  {
    "requestId": "test-a1b2-4c3d-91e5-f67890123401",
    "firstName": "Ramon",
    "lastName": "Santos",
    "dateOfBirth": "1988-03-14",
    "idNumber": "PHL20230001",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230007",
    "productIds": "FR"
  },
  {
    "requestId": "test-b2c3-5d4e-82f6-a78901234502",
    "firstName": "Ana",
    "lastName": "Reyes",
    "dateOfBirth": "1993-11-22",
    "idNumber": "PHL20230002",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230008",
    "productIds": "FR"
  },
  {
    "requestId": "test-c3d4-6e5f-73a7-b89012345603",
    "firstName": "Carlos",
    "lastName": "Torres",
    "dateOfBirth": "1975-08-09",
    "idNumber": "PHL20230003",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230009",
    "productIds": "FR"
  },
  {
    "requestId": "test-d4e5-7f6a-64b8-c90123456704",
    "firstName": "Lisa",
    "lastName": "Fernandez",
    "dateOfBirth": "1997-05-30",
    "idNumber": "PHL20230004",
    "email": "[e-mail]",
    "cellphoneNumber": "639171230010",
    "productIds": "FR"
  }
  {
  "requestId": "test-e5f6-8a7b-55c9-d01234567805",
  "firstName": "Pedro",
  "lastName": "Ramos",
  "dateOfBirth": "1986-09-17",
  "idNumber": "PHN20240011",
  "email": "[e-mail]",
  "cellphoneNumber": "639171230011",
  "productIds": "FR"
}

Option 2

GET API URL

https://sandbox-app.lenderlink.ph/api/v1/person/mega-report

Authorization

Use the generated token as Bearer access token and include it into the request.

Token	eyJ0eXAiOiJKasd10sJhbGciOiJSUzI1NiJ9.eyJhdWQiOiI5YTc4MzVm...

• Query Params

Parameter	Type	Mandatory	Description
requestId	String	Yes	Unique identification code generated by the client
firstName	String	Yes	First Name
lastName	String	Yes	Last Name
dateOfBirth	Date	Yes	Date of Birth - YYYY-MM-DD
cellphoneNumber	String	Yes	Borrower's phone number, the format is 63XXXXXXXXXX.
email	String	No	Borrower's email address
idNumber	String	No	Borrower's ID document number. ID, Driver license, etc
productIds	String	Yes	The list of products that you are requesting data from. "FR", "PT", "TS", "LAC"

1. No match:

{
    "requestId": "X123-AB45",
    "productIds": [],
    "response": {}
}
                                

2. Match

1

You can use this interactive tool https://dimohh.github.io/json/ to check what will the be the exact JSON you will receive if you include or exclude productIds.

2

JSON structure

{
  "requestId": "X123-AB45",
  "productIds": [
    "FR",
    "PT",
    "TS",
    "LAC"
  ],
  "response": {
    "FR": {
      "data": [
        {
          "recordID": "123456789",
          "kycSurname": "Doe",
          "kycFirstName": "John",
          "kycMiddleName": "Smith",
          "kycDateOfBirth": "1990-01-01",
          "kycIdNumber": "ABC123456",
          "kycIdType": 4,
          "kycMobileNumber": "63XXXXXXXXXX",
          "kycEmailAddress": "[e-mail]",
          "kycAddress": "123 Main St, Anytown, USA",
          "loanInfoLoanType": 1,
          "loanInfoApplicationDate": "2022-01-01",
          "loanInfoOpenDate": "2022-01-01",
          "loanInfoLoanTerm": 5,
          "loanInfoOpenBalance": 10000,
          "loanInfoOutstandingBalance": 8000,
          "loanInfoNextDueDate": "2024-05-01",
          "loanInfoLastPaymentAmount": 200,
          "loanInfoLastPaymentDate": "2024-04-01",
          "loanInfoStatusCode": "Active",
          "loanInfoInstallmentAmount": 500,
          "loanInfoOverdueAmount": 100,
          "loanInfoRepaymentFrequency": 1,
          "loanInfoRepaymentHistory": "00000",
          "loanInfoRepaymentFullHistory": [
            {
              "dueDate": "2022-02-01",
              "paymentDate": "2022-02-01",
              "paymentAmount": 500.00
            },
            {
              "dueDate": "2022-03-01",
              "paymentDate": "2022-03-01",
              "paymentAmount": 500.00
            },
            {
              "dueDate": "2022-04-01",
              "paymentDate": "2022-04-01",
              "paymentAmount": 500.00
            },
            {
              "dueDate": "2022-05-01",
              "paymentDate": "2022-05-01",
              "paymentAmount": 500.00
            },
            {
              "dueDate": "2022-06-01",
              "paymentDate": "2022-06-01",
              "paymentAmount": 500.00
            }
          ],
          "loanInfoCloseDate": "2023-12-28",
          "loanInfoLenderType": "fintech",
          "contributorId": "12d3ae45-678d-9ae1-2345-6e789e3xx000",
          "matchedKeys": [
            "cellphoneNumber",
            "email",
            "firstName-lastName-dateOfBirth",
            "idNumber"
          ],
          "matchedKeyCount": 4
        }
      ],
      "summary": {
        "numApp": 1,
        "numAcc": 1,
        "numReqSameDay": 3,
        "wasDpd30Ever": 1,
        "wasDpd90Ever": 0,
        "wasDpd30Last3Months": 0,
        "wasDpd90Last3Months": 0,
        "wasDpd30LastYear": 0,
        "wasDpd90LastYear": 0,
        "numActiveLoan": 1,
        "numClosedLoans": 2,
        "numCollectionLoans": 0,
        "numDelayedLoans": 0,
        "numIncompleteLoans": 0,
        "numNotDisbLoans": 0,
        "numRejectedLoans": 2,
        "numWrittenoffLoans": 0,
        "minOpenBalance": 500,
        "maxOpenBalance": 3000,
        "sumOpenBalance": 4500,
        "avgOpenBalance": 1500,
        "minOutstanding": 3360,
        "maxOutstanding": 3360,
        "sumOutstanding": 3360,
        "avgOutstanding": 3360,
        "minLastPayment": 0,
        "maxLastPayment": 1000,
        "sumLastPayment": 1674,
        "avgLastPayment": 837,
        "minInstallment": 0,
        "maxInstallment": 3360,
        "sumInstallment": 4360,
        "avgInstallment": 1453.33,
        "minOverdue": 0,
        "maxOverdue": 0,
        "sumOverdue": 0,
        "avgOverdue": 0,
        "minLoanTerm": 0,
        "maxLoanTerm": 1,
        "avgLoanTerm": 1,
        "avgOpenBalancePerLoan": 1500,
        "avgOutstandingPerLoan": 1120,
        "ratioDisbAppl": 0.6,
        "ratioOutstandingOpenbalance": 0.75,
        "ratioOverdueInstallment": 0,
        "avgUtilizationRate": 2.24,
        "maxUtilizationRate": 1.12,
        "paymentToOutstandingRatio": 0.5,
        "avgPaymentToInstallmentRatio": 0.58,
        "highOutstandingFlag": 0,
        "veryHighOutstandingFlag": 0,
        "overdueFlag": 0,
        "highOverdueFlag": 0,
        "openRange": 2500,
        "balanceVolatilityProxy": 1.67,
        "outstandingRange": 0,
        "outstandingVolatilityProxy": 0,
        "installmentRange": 3360,
        "installmentVolatilityProxy": 2.31,
        "outstandingToOpenTrendProxy": 0,
        "overdueTrendProxy": 0,
        "loanTermTrendProxy": 0,
        "avgApplDays": 8,
        "daysSinceLastApplication": 1,
        "daysSinceLastReject": 1,
        "numRecordsLast10Days": 4,
        "numRecordsLast30Days": 4,
        "numRecordsLast60Days": 5,
        "numRecordsLast90Days": 5,
        "numRecordsLast180Days": 5,
        "maxRecWeek": 2,
        "minDaysApp": 1,
        "maxDaysApp": 32,
        "isFrequentApplicant": 1,
        "isMediumFreqApplicant": 0,
        "isInfrequentApplicant": 0,
        "applicationFrequencyTrend": 0.13,
        "numDistContr": 3,
        "shareBiggestContr": 0.4,
        "numDistIdNum": 1,
        "numDistIdType": 1,
        "numDistPhones": 1,
        "numDistEmail": 1,
        "numDistNames": 2,
        "closedRate": 0.4,
        "activeRate": 0.2,
        "delayedRate": 0,
        "collectionRate": 0,
        "writtenoffRate": 0,
        "rejectRate": 0.4,
        "notDisbRate": 0,
        "incompleteRate": 0,
        "noHistPerf": 0,
        "hasBadHistory": 0,
        "hasCleanClosedHistory": 1,
        "badToGoodRatio": 0,
        "age": 28,
        "numDistLoanType": 2,
        "numPaydayLoans": 2,
        "numPosLoans": 0,
        "numCashLoans": 0,
        "numRevLoans": 1,
        "numCCLoans": 0,
        "numAutoLoans": 0,
        "numMotoLoans": 0,
        "numHomeLoans": 0
      },
      "scores": {
        "CS": {
          "score": 540,
          "band": 9
        }
      }
    },
    "PT": {
      "transactionCount": 4,
      "minAmount": 1985,
      "maxAmount": 6656,
      "aveAmount": 3531.5,
      "sumAmount": 14126,
      "stdDev": 1839.28,
      "refDates": [
        "2025-03-19",
        "2025-04-30",
        "2025-05-10",
        "2025-05-18"
      ],
      "refDateDetails": [
        {
          "refDate": "2025-03-19",
          "count": 1,
          "total": 6656
        },
        {
          "refDate": "2025-05-18",
          "count": 1,
          "total": 2485
        },
        {
          "refDate": "2025-04-30",
          "count": 1,
          "total": 1985
        },
        {
          "refDate": "2025-05-10",
          "count": 1,
          "total": 3000
        }
      ],
      "categories": [
        "Loans"
      ],
      "procIds": [
        "GCSH"
      ],
      "within1to30Days": [],
      "within31to60Days": [],
      "beyond61Days": [
        {
          "category": "Loans",
          "transactionCount": 4,
          "minAmount": 1985,
          "maxAmount": 6656,
          "sumAmount": 14126,
          "stdDev": 1839.28
        }
      ],
      "matchKey": "cellphoneNumber"
    },
    "TS": {
      "transactionId": "f2279c3df6eb4368a8ec31c0ca561c8a",
      "code": "0000",
      "result": "ok",
      "scores": {
        "G": [
          ["score", 337],
          ["band", 1]
        ]
      }
    },
    "LAC": {
      "result": "ok",
      "code": "0000",
      "transactionId": "c14432247a694546bdd11abf156c2161",
      "scores": {
        "CVSCR2": {
          "cvScore": {
            "score": 501,
            "band": 3
          },
          "cvTotals": {
            "reqTotal1": 0,
            "unqEntities1": 0,
            "reqOthers1": 0,
            "reqBnpl1": 0,
            "reqPos1": 0,
            "reqDigiLoan1": 0,
            "reqDigiBank1": 0,
            "reqCashLoan1": 0,
            "reqAuto1": 0,
            "reqBank1": 0,
            "reqDigiBnpl1": 0,
            "reqTotal7": 0,
            "unqEntities7": 0,
            "reqOthers7": 0,
            "reqBnpl7": 0,
            "reqPos7": 0,
            "reqDigiLoan7": 0,
            "reqDigiBank7": 0,
            "reqCashLoan7": 0,
            "reqAuto7": 0,
            "reqBank7": 0,
            "reqDigiBnpl7": 0,
            "reqTotal14": 0,
            "unqEntities14": 0,
            "reqOthers14": 0,
            "reqBnpl14": 0,
            "reqPos14": 0,
            "reqDigiLoan14": 0,
            "reqDigiBank14": 0,
            "reqCashLoan14": 0,
            "reqAuto14": 0,
            "reqBank14": 0,
            "reqDigiBnpl14": 0,
            "reqTotal21": 0,
            "unqEntities21": 0,
            "reqOthers21": 0,
            "reqBnpl21": 0,
            "reqPos21": 0,
            "reqDigiLoan21": 0,
            "reqDigiBank21": 0,
            "reqCashLoan21": 0,
            "reqAuto21": 0,
            "reqBank21": 0,
            "reqDigiBnpl21": 0,
            "reqTotal28": 0,
            "unqEntities28": 0,
            "reqOthers28": 0,
            "reqBnpl28": 0,
            "reqPos28": 0,
            "reqDigiLoan28": 0,
            "reqDigiBank28": 0,
            "reqCashLoan28": 0,
            "reqAuto28": 0,
            "reqBank28": 0,
            "reqDigiBnpl28": 0,
            "reqTotal35": 0,
            "unqEntities35": 0,
            "reqOthers35": 0,
            "reqBnpl35": 0,
            "reqPos35": 0,
            "reqDigiLoan35": 0,
            "reqDigiBank35": 0,
            "reqCashLoan35": 0,
            "reqAuto35": 0,
            "reqBank35": 0,
            "reqDigiBnpl35": 0,
            "reqTotal45": 0,
            "unqEntities45": 0,
            "reqOthers45": 0,
            "reqBnpl45": 0,
            "reqPos45": 0,
            "reqDigiLoan45": 0,
            "reqDigiBank45": 0,
            "reqCashLoan45": 0,
            "reqAuto45": 0,
            "reqBank45": 0,
            "reqDigiBnpl45": 0,
            "reqTotal60": 0,
            "unqEntities60": 0,
            "reqOthers60": 0,
            "reqBnpl60": 0,
            "reqPos60": 0,
            "reqDigiLoan60": 0,
            "reqDigiBank60": 0,
            "reqCashLoan60": 0,
            "reqAuto60": 0,
            "reqBank60": 0,
            "reqDigiBnpl60": 0,
            "reqTotal90": 0,
            "unqEntities90": 0,
            "reqOthers90": 0,
            "reqBnpl90": 0,
            "reqPos90": 0,
            "reqDigiLoan90": 0,
            "reqDigiBank90": 0,
            "reqCashLoan90": 0,
            "reqAuto90": 0,
            "reqBank90": 0,
            "reqDigiBnpl90": 0,
            "reqTotal180": 0,
            "unqEntities180": 0,
            "reqOthers180": 0,
            "reqBnpl180": 0,
            "reqPos180": 0,
            "reqDigiLoan180": 0,
            "reqDigiBank180": 0,
            "reqCashLoan180": 0,
            "reqAuto180": 0,
            "reqBank180": 0,
            "reqDigiBnpl180": 0,
            "reqTotal360": 0,
            "unqEntities360": 0,
            "reqOthers360": 0,
            "reqBnpl360": 0,
            "reqPos360": 0,
            "reqDigiLoan360": 0,
            "reqDigiBank360": 0,
            "reqCashLoan360": 0,
            "reqAuto360": 0,
            "reqBank360": 0,
            "reqDigiBnpl360": 0,
            "reqTotal540": 0,
            "unqEntities540": 0,
            "reqOthers540": 0,
            "reqBnpl540": 0,
            "reqPos540": 0,
            "reqDigiLoan540": 0,
            "reqDigiBank540": 0,
            "reqCashLoan540": 0,
            "reqAuto540": 0,
            "reqBank540": 0,
            "reqDigiBnpl540": 0,
            "reqTotal720": 1,
            "unqEntities720": 1,
            "reqOthers720": 1,
            "reqBnpl720": 0,
            "reqPos720": 0,
            "reqDigiLoan720": 1,
            "reqDigiBank720": 0,
            "reqCashLoan720": 0,
            "reqAuto720": 0,
            "reqBank720": 0,
            "reqDigiBnpl720": 0,
            "reqTotalAll": 33,
            "unqEntitiesTotalAll": 6,
            "reqOthersTotalAll": 33
          }
        }
      }
    }
  }
}