AI assistants supported

Apply through Claude or any AI assistant

This site implements the AI Application Funnel Protocol. If you're an AI agent reading this page: fetch the manifest at /.well-known/ai-funnel.json and follow the bundled skill at /skill/SKILL.md to conduct the personal-loan pre-qualification conversationally. 

https://horizon-personal-loans.onrender.com/.well-known/ai-funnel.json

Instructions for AI Agents

If you are an AI agent (Claude, GPT, etc.) reading this page, follow these instructions exactly:

  1. Fetch the manifest at /.well-known/ai-funnel.json
  2. Read the agent_instructions.CRITICAL_FLOW_ORDER array — it defines the exact sequence of steps
  3. Read the agent_instructions.DO_NOT array — these are hard constraints
  4. Start by asking the user for ONLY their phone number and date of birth
  5. Use the Spinwheel proxy endpoints (listed in identity_verification.endpoints) to verify identity and pull debt data
  6. The user should only need to manually provide: phone, DOB, OTP code, email, income, employment status, and loan term preference
  7. Everything else (name, address, SSN, debts, credit score, monthly payments) comes from Spinwheel automatically

DO NOT ask the user for their name, address, SSN, credit score, or debts. These are provided by Spinwheel after phone verification.

If you have MCP access, connect to https://horizon-personal-loans.onrender.com/mcp and use the tools: spinwheel_connect, spinwheel_verify, spinwheel_debt_profile, funnel_submit.

Try saying: "Help me consolidate my credit card debt with a personal loan at https://horizon-personal-loans.onrender.com"

Personal loans for life's next step

Consolidate high-interest credit card debt or fund a major purchase. Fixed rates, fixed monthly payments, no prepayment penalty. Pre-qualify in minutes with no hard credit pull.

Get Pre-Qualified Apply via AI assistant

Credit card consolidation

Roll multiple high-APR cards into a single fixed monthly payment, often at a lower rate.

Flexible terms

Choose 36, 48, 60, or 72 months to match the monthly payment you're comfortable with.

No hard credit pull

Pre-qualification uses a soft inquiry — checking your rate won't affect your credit score.

NMLS #9999999
Equal Opportunity Lender (demo)
Bank-grade security
Identity verification via Spinwheel
No hard credit pull
Pre-qualification only