For consumersLooking for a personal loan yourself? See your options without affecting your credit score.
Compare quotes →Personal finance vertical.
AdvertisingML operates editorial and comparison properties for consumers researching personal loans, credit cards, and refinance options. Inventory is delivered to licensed lenders, NMLS-registered originators, and issuer-direct affiliate programs in real time with FICO-band filters and soft-pull-friendly disclosure flows.
Sub-verticals.
- 01
Personal loans
Comparison content for consumers researching personal loans for debt consolidation, home improvement, medical expenses, or major purchases. Filters include loan amount band, purpose, self-disclosed FICO band, employment posture, and state.
- 02
Credit cards
Editorial comparison of credit card products across cash-back, travel rewards, balance-transfer, and credit-building categories. Soft-pull friendly: applications routed to issuer programs offering pre-qualification flows.
- 03
Mortgage refinance
Decision-support content for homeowners evaluating refinance options. Filters include current rate, remaining balance, property value estimate, FICO band, state, and credit-class self-disclosure.
- 04
Student loan refinance
Comparison content for borrowers with private or federal student loans considering refinancing. Filters include loan amount, current rate, employment status, degree-completion posture, and FICO band.
Lead schema (representative).
Personal-loan lead, shared tier. The complete schema is documented in the integration guide and varies by sub-vertical.
- JSON or form-encoded payload
- Webhook POST or REST API pull
- CRM push to Salesforce, HubSpot, Pipedrive
{
"lead_id": "aml_2026_PL...",
"vertical": "personal_loans",
"tier": "shared",
"consumer": {
"first_name": "...", "last_name": "...",
"email": "...", "phone_e164": "...",
"address": { "state": "CA", "zip": "94114" },
"dob_year": 1985
},
"vertical_data": {
"loan_amount_band": "10000_25000",
"loan_purpose": "debt_consolidation",
"fico_band_self": "good_670_739",
"employment_status": "employed_full_time",
"annual_income_band": "60000_90000",
"homeowner": false
},
"consent": {
"trustedform_cert_url": "https://cert.trustedform.com/...",
"consent_language_version": "2026-05",
"consent_timestamp_iso": "...",
"ip": "..."
},
"source": {
"property_id": "loan_compare_us",
"user_agent": "...",
"session_id": "..."
}
} Pricing bands.
USD per accepted lead. Final bid set by advertiser within band.
| Sub-vertical | Shared | Exclusive | Approved-funded |
|---|---|---|---|
| Personal loans | $5 – $25 | $20 – $60 | $80 – $250 |
| Credit cards (per approved app) | — | — | $50 – $200 |
| Mortgage refinance | $15 – $50 | $35 – $120 | $300 – $900 |
| Student loan refinance | $8 – $30 | $22 – $65 | $60 – $200 |
Credit card inventory is delivered via issuer-direct affiliate programs (Bankrate, Impact, CJ-integrated programs); we surface and route, issuer pays on approved application. Other sub-verticals use the standard accepted-lead model.
Compliance for the personal finance vertical.
TrustedForm Certify
On every lead form. Cert URL delivered alongside lead payload.
NMLS attestation
Lender advertisers attest at onboarding to active NMLS registration in every state they buy leads for. NMLS numbers documented and reviewed annually.
Multi-seller consent disclosure
With our maintained partners list, per post-IMC v. FCC framework. Consent language reviewed quarterly by external counsel.
State usury & lending compliance
Lender filters incorporate state-specific eligibility rules (e.g., maximum APR caps, license posture) at the matching layer.
Soft-pull preferred flows
Where issuer programs support pre-qualification with soft pulls, consumers are routed to those flows by default.
FCRA-aware data handling
Self-disclosed credit information is collected with clear consumer-facing disclosure that information is self-reported and may be verified by lenders during application.
3 – 7 business days, end to end.
Required documentation: NMLS registration evidence for lender advertisers, EIN, primary signer details for the master services agreement, and your preferred delivery endpoint (REST POST URL, email, or named CRM).
finance@advertisingml.com