Pre-Approval

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Overview

The Pre-Approval API is designed to revolutionize the vehicle financing process by enabling quick, efficient, and customer-friendly pre-approval for auto loans.

This API provides a seamless way to perform soft pulls on credit scores, offering customers and businesses a fast path to understanding financing options with no Social Securtity Number (SSN) requirements and no impact to credit scores.

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Making a Request

Submit a pre-approval to https://commerce.driv.ly/api/preApprovals with a POST request.

Below is a breakdown of the required and optional data fields, supplemented with example requests for your applications.

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Required Fields

Required fields must be provided with every request:

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Optional Fields

Optional fields can be included based on specific requirements:

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Fetch API Example

export async function createPreApproval() {
  try {
    const response = await fetch('https://commerce.driv.ly/api/preApprovals', {
      method: 'POST',
      headers: {
        Authorization: '<api-key>',
        'Content-Type': 'application/json',
      },
      body: JSON.stringify({
        firstName: 'Danny',
        middleInitial: '',
        lastName: 'Turner',
        suffix: null,
        address: '241 Main St',
        city: 'Juno Beach',
        state: 'FL',
        zip: '33408',
        phone: '(561) 555-1234',
        email: 'dannyt@gmail.com',
        income: '$15,000',
      }),
    })

    if (!response.ok) {
      throw new Error(`HTTP error! status: ${response.status}`)
    }

    const responseData = await response.json()
    console.log('Pre-Approval Response:', responseData)
  } catch (error) {
    console.error('Error during the API request:', error)
  }
}

This function createPreApproval sends the pre-approval data to the API endpoint using fetch with a POST method.

It waits for the response asynchronously, converts the response to JSON, and logs it to the console. If an error occurs during the request or while handling the response, it catches the error and logs it, which is crucial for debugging and user feedback in real applications.

This example is meant to be a basic demonstration. In production, you might want to handle errors more gracefully and provide user feedback based on the result of the API call.

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Successful Response

Upon successful submission, the API returns a response containing the following generated values:

The response will contain the same values as the request, along with the generated values. The response will also include the status of the pre-approval, which can be used to track the progress of the request.

The status will be one of the following: Processing, Error, Processed, Needs Info.

{
  "id": "12034631b86bb45g202071a1",
  "title": "Danny Turner (dannyt@gmail.com)",
  "firstName": "Danny",
  "middleInitial": "",
  "lastName": "Turner",
  "suffix": null,
  "address": "241 Main St",
  "city": "Juno Beach",
  "state": "FL",
  "zip": "33408",
  "phone": "+15615551234",
  "email": "dannyt@gmail.com",
  "sessionId": "",
  "createdAt": "2024-03-26T22:03:29.685Z",
  "updatedAt": "2024-03-26T22:04:01.175Z",
  "status": "Processed",
  "income": "$15,000",
  "AppId": 154422063,
  "customer": "12ab3d1241567b12d2ga12c1",
  "segmentationBand": "Good (700-749)"
}

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Next Steps

Now that you have a better understanding of how the Pre-Approval API works, you can start integrating it into your application.