> For the complete documentation index, see [llms.txt](https://even-financial.gitbook.io/developer-center/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://even-financial.gitbook.io/developer-center/marketplace-integrations/native-api.md).

# Native API

Native API gives you full control over the user experience. Send us your lead data through a single endpoint, and Engine returns personalized offers (or rate tables) that you display in your own custom-built UI, ideal when an embed or hosted page doesn't fit your product.

{% columns %}
{% column %}

#### <i class="fa-palette">:palette:</i> Experience

**Partner-built**

You own data collection, offer display, and the end-to-end UX.
{% endcolumn %}

{% column %}

#### <i class="fa-gauge">:gauge:</i> Effort

**High**

Build the API integration and meet product display requirements.
{% endcolumn %}

{% column %}

#### <i class="fa-bolt">:bolt:</i> Choose this when

You need complete control over the marketplace design and behavior.
{% endcolumn %}
{% endcolumns %}

### Choose a marketplace

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th></th><th></th><th></th><th></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th><th data-hidden data-card-cover data-type="files"></th></tr></thead><tbody><tr><td><strong>Personal Loans</strong></td><td>Post borrower information to the API and retrieve matched loan offers from Engine's network of Financial Services partners. Covers data collection, offer display, and API specs for a fully compliant custom experience.</td><td><a href="https://engine.tech/developer-center/native-api-integrations/personal/collecting-user-information">Collecting User Information</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/personal/jornaya-consent-capture-requirements">Jornaya Consent Capture Requirements</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/personal/displaying-offers">Displaying Personal Loan Offers</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/personal/api-specifications">API Specifications</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/personal/faq">FAQs</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/personal/compliance">General Compliance Guidelines</a></td><td><a href="/developer-center/marketplace-integrations/native-api/personal.md">Personal Loans</a></td><td></td></tr><tr><td><strong>Credit Cards Marketplace</strong></td><td>Retrieve credit card offers dynamically across two mechanisms: no-PII Invitation to Apply (ITA) offers, and PII-based Personalized offers tiered as Pre-Approved, Pre-Qualified, or Pre-Selected.</td><td><a href="https://engine.tech/developer-center/native-api-integrations/credit-cards-marketplace/getting-started">Getting Started</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/credit-cards-marketplace/flow-design">Flow Design</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/credit-cards-marketplace/collecting-user-information-for-credit-cards">Collecting User Information for Credit Cards</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/credit-cards-marketplace/displaying-credit-card-offers">Displaying Credit Card Offers</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/credit-cards-marketplace/api-specifications">API Specifications</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/credit-cards-marketplace/compliance-guidelines">Compliance Guidelines</a></td><td><a href="/developer-center/marketplace-integrations/native-api/credit-cards-marketplace.md">Credit Cards Marketplace</a></td><td></td></tr><tr><td><strong>Banking (Deposits)</strong></td><td>Generate personalized savings offers within the banking &#x26; savings vertical. Offers display APY to two decimal places, ranked highest to lowest payout, re-poll the rate table endpoint on each view since results aren't cacheable.</td><td><a href="https://engine.tech/developer-center/native-api-integrations/savings/information-collection-for-savings-offers">Collecting User Information for Savings</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/savings/displaying-savings-offers">Displaying Savings Offers</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/savings/marketplace-display-requirements">Marketplace Display Requirements</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/savings/reporting">Reporting</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/savings/api-specifications">API Specifications</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/savings/compliance">General Compliance Guidelines</a></td><td><a href="/developer-center/marketplace-integrations/native-api/savings.md">Banking (Deposits) Marketplace</a></td><td></td></tr><tr><td><strong>2nd Look Marketplace</strong></td><td>Catches consumers who aren't pre-approved or pre-qualified for a primary personal loan (1L) and matches them with alternative financial product offers instead, so no lead falls through with nothing to offer.</td><td><a href="https://engine.tech/developer-center/native-api-integrations/2nd-look-marketplace/financial-service-providers">2nd Look Marketplace (Financial Services Providers)</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/2nd-look-marketplace/channel-partners">2nd Look Marketplace (Channel Partners)</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/2nd-look-marketplace/compliance">General Compliance Guidelines</a></td><td></td><td></td><td></td><td><a href="/developer-center/marketplace-integrations/native-api/2nd-look-marketplace.md">2nd Look Marketplace</a></td><td></td></tr><tr><td><strong>Auto Insurance</strong></td><td>Collect a short set of consumer details and retrieve personalized auto insurance offers. Covers the API reference, offer-card and search-flow design, and compliance requirements.</td><td><a href="/developer-center/marketplace-integrations/native-api/auto-insurance-marketplace/api-reference.md">API Reference</a></td><td><a href="/developer-center/marketplace-integrations/native-api/auto-insurance-marketplace/ui-design-guide.md">UI Design Guide</a></td><td><a href="/developer-center/marketplace-integrations/native-api/auto-insurance-marketplace/compliance.md">Compliance</a></td><td></td><td></td><td></td><td><a href="/developer-center/marketplace-integrations/native-api/auto-insurance-marketplace.md">Auto Insurance Marketplace</a></td><td></td></tr><tr><td><strong>Auto Loan Refinancing (ALR)</strong></td><td>Collect refinance applicant data and match users with auto loan refinance offers from Engine's partner financial institutions, built on the same post-data, retrieve-offers workflow as the other Native API products.</td><td><a href="https://engine.tech/developer-center/native-api-integrations/auto-refinancing/collecting-user-information">Collecting User Information</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/auto-refinancing/displaying-offers">Displaying Auto Loan Refinance Offers</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/auto-refinancing/api-specifications">API Specifications</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/auto-refinancing/faq">FAQs</a></td><td></td><td></td><td><a href="/developer-center/marketplace-integrations/native-api/auto-refinancing.md">Auto Loan Refinancing (ALR) Marketplace</a></td><td></td></tr><tr><td><strong>Home Equity Line of Credit (HELOC)</strong></td><td>Match users borrowing against their home equity with HELOC offers. Requires clearly displaying product type, terms, and APR, plus a tooltip or tappable element explaining what a HELOC is, per compliance guidelines.</td><td><a href="https://engine.tech/developer-center/native-api-integrations/heloc/displaying-offers">Displaying Offers (HELOC)</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/heloc/risk-factors-and-requirements">Risk Factors &#x26; Requirements</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/heloc/dos-and-donts-for-all-heloc-supply-partners">Dos &#x26; Don'ts for All HELOC Supply Partners</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/heloc/dos-and-donts-for-heloc-native-partners-api">Dos &#x26; Don'ts for HELOC Native Partners (API)</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/heloc/our-embed-partner-page-implementation">Our Embed/Partner Page Implementation</a></td><td><a href="https://engine.tech/developer-center/native-api-integrations/heloc/heloc-specific-disclosures">HELOC-Specific Disclosures</a></td><td><a href="/developer-center/marketplace-integrations/native-api/heloc.md">Home Equity Line of Credit (HELOC) Marketplace</a></td><td></td></tr></tbody></table>


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