Qualified borrowers, delivered in real time.
Lead Harbor supplies consented personal loan applicants that match your underwriting criteria. You set the filters, bids and caps. We deliver by ping/post as soon as a borrower qualifies.
Leads that look like your best customers.
Every applicant is generated on our compliant forms or by vetted publishers, filtered against your criteria, and delivered while the borrower is still on the page.
Precise targeting
Filter by state, loan amount, income, pay frequency, employment, bank account, credit tier and more. Change filters anytime.
Real-time delivery
Ping/post over HTTPS, in real time. Respond with a price and win the lead, or decline with zero cost.
You control the economics
Set bids by segment, daily and hourly caps, and schedules by state or time zone. Pause instantly from your dashboard.
Consent you can prove
Every lead carries TCPA consent language, IP, timestamp and a third-party certification token so your compliance team can audit it.
Quality, enforced
Duplicate suppression, phone and email validation, fraud scoring and publisher-level quality monitoring keep junk out of your funnel.
Transparent reporting
See volume, accept rate, spend and source performance in real time. Share conversion data back and we optimize toward what funds.
Ping, bid, post. That's the whole flow.
Our ping/post protocol is standard across the industry. If you've integrated with any lead exchange before, you already know how this works.
- 1PingWe send a de-identified snapshot: state, loan amount, income, credit tier. No PII yet.
- 2BidYour endpoint returns accept + price, or decline. Dynamic bidding is supported.
- 3PostIf you win, the full lead with contact details and consent record lands on your endpoint immediately.
- 4RedirectOptionally return a URL and we send the borrower straight to your application page.
Full application data, every time.
A standard Lead Harbor personal loan lead includes the fields below. Custom fields and mappings are available for larger buyers.
| Group | Fields | Notes |
|---|---|---|
| Loan request | loan_amount loan_purpose | Amount requested in whole dollars. |
| Identity | first_name last_name dob ssn | SSN transmitted only on post, encrypted in transit and at rest. |
| Contact | email phone address city state zip | Phone and email validated before delivery. |
| Employment & income | income_source employer monthly_income pay_frequency next_pay_date | Filterable on ping. |
| Banking | bank_name account_type direct_deposit months_at_bank | Routing and account numbers available on request. |
| Credit | credit_rating own_home military | Self-reported credit tier: excellent / good / fair / poor. |
| Consent & tracking | tcpa_consent consent_text certificate ip user_agent timestamp source_url | Third-party lead certification token included. |
Live in days, not months.
Discovery call
We learn your target borrower, states, volume goals and price expectations, and share benchmark data from the network.
Integration & testing
You receive API docs and a sandbox. We run test pings and posts together until every field maps cleanly.
Ramp & optimize
Go live with conservative caps, then scale. Your account manager tunes sources against your funded-loan feedback.
Questions lenders ask us
Do you offer exclusive leads?
Yes. You can buy exclusive leads, or participate in the shared tree at a lower price point. Many partners run both with different bids.
How do you price leads?
You set your bid per segment. Higher bids win more auctions. We can also run fixed-price agreements for committed volume.
Can I return bad leads?
Leads with invalid contact data or outside your stated filters are credited automatically. Return windows and rules are agreed in your contract.
Which states do you cover?
All 50 states. You choose which ones to accept, and we respect state-level licensing and rate caps in our publisher guidelines.
Do you support call transfers or data leads only?
Our core product is real-time data leads via ping/post. Warm transfers are available for select partners. Ask your account manager.
Start buying leads.
Tell us about your lending program and the borrowers you want. An advertiser manager will reply within one business day with volume estimates and next steps.
- Advertiser inquiries[email protected]
- HoursMonday – Friday, 9am – 6pm ET