How to Use the LendAPI MCP in Cursor

Q: How do I configure the LendAPI MCP Server in Cursor?

Add the server to your project's .cursor/mcp.json file or your global settings. Once configured, toggle on Agent mode in Cursor to let the editor invoke the underwriting tools.

Q: Can I use Cursor to submit applications to LendAPI?

Yes, you can ask the Cursor agent to run submitloanapplication using any application ID in your workspace. The agent executes the request and displays the credit decision directly in your editor sidebar.

Q: How does the Cursor agent handle large lists of borrowers?

The agent uses listborrowers with built-in pagination to fetch records in small batches. This keeps your Cursor window clean and prevents the API from hitting rate limits during bulk data inspections.

Generate real loan payloads and inspect borrower data directly inside the Cursor editor.

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Connect LendAPI MCP to Cursor

Create your Vinkius account to connect LendAPI to Cursor and route execution through our secure gateway. The platform manages server hosting, runtime updates, and security layers. Configuration requires no manual server provisioning.

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Setup LendAPI with Cursor

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Generate live loan payloads inside Cursor

The `create_loan_application` tool lets your Cursor agent construct and test actual loan payloads against your live environment. Instead of writing mock objects, the agent calls the LendAPI endpoint to verify that your application schemas match the active underwriting rules. When you are debugging in Cursor, the agent uses `get_application_details` to pull real API responses directly into your open file. This gives you instant feedback on your code's handling of loan terms and decision statuses without leaving the editor.

Build borrower profiles in Agent Mode

The `create_new_borrower` tool creates real borrower entities directly from your Cursor workspace. When writing integration tests, the agent runs this tool to insert test profiles, saving you from writing manual seed scripts. You can instantly verify the created record by letting the agent call `get_borrower_details` to return the database state. It lets you test your customer onboarding flows with real data inside your coding environment.

Inspect API picklists while writing code

The `get_lendapi_picklists` tool fetches the current metadata values directly into your Cursor chat. This prevents hardcoding obsolete loan statuses or state codes, as the agent reads the live picklists to write your validation schemas. By checking these picklists, this MCP Server helps you write code that aligns with LendAPI's dynamic validation rules. You avoid runtime errors because your code matches the actual parameters accepted by the decision engine.

Setup guide

Set up LendAPI MCP in Cursor

Prerequisites

Cursor installed (macOS, Windows, or Linux)
Active Vinkius subscription with a valid endpoint token

1

Open MCP Settings

Go to Cursor Settings → MCP or open the Command Palette (Cmd+Shift+P / Ctrl+Shift+P) and search for "MCP: Add Server".
2

Add the LendAPI MCP

Cursor will create or open .cursor/mcp.json in your project root. Paste the JSON snippet on the right. Replace [YOUR_TOKEN_HERE] with your endpoint token from cloud.vinkius.com.
3

Enable Agent mode

Open Composer (Cmd+I / Ctrl+I) and switch to Agent mode using the dropdown at the top. MCP tools are only available in Agent mode.
4

Verify the connection

Ask Cursor something like "List my recent LendAPI transactions." If the MCP tools are loaded correctly, Cursor will call the LendAPI tools automatically. You can also check Settings → MCP for a green status indicator.

.cursor/mcp.json

{
  "mcpServers": {
    "lendapi-mcp": {
      "url": "https://edge.vinkius.com/[YOUR_TOKEN_HERE]/mcp"
    }
  }
}

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Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by LendAPI. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.

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Common questions about LendAPI MCP in Cursor

Add the server to your project's `.cursor/mcp.json` file or your global settings. Once configured, toggle on Agent mode in Cursor to let the editor invoke the underwriting tools.

Yes, you can ask the Cursor agent to run `submit_loan_application` using any application ID in your workspace. The agent executes the request and displays the credit decision directly in your editor sidebar.

The agent uses `list_borrowers` with built-in pagination to fetch records in small batches. This keeps your Cursor window clean and prevents the API from hitting rate limits during bulk data inspections.

No, the Vinkius platform handles authentication for you. You only need to provide your single endpoint token in the Cursor MCP configuration file.

Yes, your borrower profiles and loan application details are transmitted over encrypted HTTPS channels directly to the API endpoint. The MCP Server executes inside an ephemeral sandbox, ensuring no sensitive financial data is stored on disk.

Use it with your favorite AI tools

Connect this server to Cursor, Claude, VS Code, and more.

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