Whitelabel Integration Guide

General

Axo Group offers three tech products for whitelabel integration:

AXO Whitelabel Form
An embeddable front-end application for application forms (e.g., unsecured loans, credit cards).
AXO Integration API
An API used to initiate loan applications within Axo Group’s platform.
AXO Pre-Check API
An API used to check whether a lead is likely to be accepted by Axo.

To submit applications to Axo Group’s platform, the use of the AXO Whitelabel Form is required. The two APIs are optional.

This guide outlines how to access and use these products. Integration and usage are consistent across all of Axo Group’s brokering products (unsecured loans and credit cards), brands, and markets (Norway, Sweden, Denmark, and Finland).

All code examples provided in this guide are complete and functional.

Embedding the Form

Embedding the AXO Whitelabel Form involves adding a <script> tag to your HTML. The implementation is the same across all Axo Group markets, brands, and products. For a more detailed explanation of how to use the AXO Whitelabel Form, please see

Method 1: Partial Front-End Integration, and
Method 2: Full Front-End Integration.

Example

In this example, we embed the application form for unsecured loans from the brand axofinans.no.

<script
    id="axo-script"
    src="https://embed.axogroup.com/axofinans.no/loan-application/main.js"
    data-has-offers-affiliate-url="<YOUR-TRACKING-URL-PROVIDED-BY-AXO>"
    type="module">
</script>

Note: The data-has-offers-affiliate-url attribute is optional and should only be included when using Method 2: Full Front-End Integration.

Environments & URLs

AXO Whitelabel Forms follow a standard URL pattern:

https://<BASE-URL>/<BRAND>/<PRODUCT-TYPE>/main.js

Where:

BASE-URL is the environment:
- Production: embed.axogroup.com
- Test: form.axo-test.io
BRAND is the domain of the brand (e.g., axofinans.no)
PRODUCT-TYPE is either loan-application or credit-card

Production URLs & Supported Product Types / Brand / Markets

To use the test version of a form, replace the base URL with form.axo-test.io.

Brand	Market	Product Type	URL
axofinans.no	NO	Unsecured Loans	`https://embed.axogroup.com/axofinans.no/loan-application/main.js`
axofinans.no	NO	Credit Cards	`https://embed.axogroup.com/axofinans.no/credit-card/main.js`
axofinans.se	SE	Unsecured Loans	`https://embed.axogroup.com/axofinans.se/loan-application/main.js`
axolaina.fi	FI	Unsecured Loans	`https://embed.axogroup.com/axolaina.fi/loan-application/main.js`
lendme.dk	DK	Unsecured Loans	`https://embed.axogroup.com/lendme.dk/loan-application/main.js`
zmarta.no	NO	Unsecured Loans	`https://embed.axogroup.com/zmarta.no/loan-application/main.js`
zmarta.se	SE	Unsecured Loans	`https://embed.axogroup.com/zmarta.se/loan-application/main.js`
zmarta.fi	FI	Unsecured Loans	`https://embed.axogroup.com/zmarta.fi/loan-application/main.js`

Method 1: Partial Front-End Integration

This method is suitable for partners who want to host the initial steps of the customer journey themselves.

Example Scenario

A typical flow:

A lead lands on the partner site.
The lead fills out the partner’s custom form (referred to as the pre-form).
- We recommend collecting the same fields as the first step of the AXO Form:
  - Loan Amount
  - Loan Duration
  - Email Address
  - Phone Number
- Missing fields will result in the AXO Form redirecting the lead to complete Step 1, ensuring continuity. However, the best customer journey will be accomplished if the partner includes all necessary data for completing step 1 so the lead lands directly on AXO Form step 2.
Upon form submission, the partner can optionally:
- Call the AXO Pre-Check API to verify if the lead may be accepted.
The partner calls the AXO Integration API to initiate the application.
The partner stores the returned jwt and applicationID in sessionStorage.
The lead is redirected to a page with the AXO Whitelabel Form embedded.
1. Please note that in this scenario, you should not include the data-has-offers-affiliate-url-attribute in the script tag. In this scenario, the attribution is handled by the AXO Integration API, and adding the tracking URL to the script-tag may cause duplicate or incorrect attribution.
The lead completes the form and is redirected to Axo Group My Page to view and accept offers.

Example Code

Two files are used in this example for the Danish brand lendme.dk. The example uses URLs to AXOs test environment and can be safely run locally to experiment with the set-up.

index.html – is an example of a minimalist partner pre-form which calls the calls the AXO Integration API to initiate the application
axo-form.html – Embeds the AXO Whitelabel Form

<!-- index.html -->
<!DOCTYPE html>
<html>
<head>
  <title>My Whitelabel Site</title>
</head>
<body>
  <form>
    <fieldset>
      <legend>Apply for a loan in Denmark</legend>
      <input type="email" name="Email" placeholder="Email"><br><br>
      <input type="text" name="PhoneNumber" placeholder="Phone Number"><br><br>
      <input type="text" name="SocialSecurityNumber" placeholder="SSN"><br><br>
      <input type="number" name="AppliedAmount" placeholder="Amount"><br><br>
      <input type="number" name="LoanDuration" placeholder="Duration"><br><br>
      <input type="submit" value="Continue">
    </fieldset>
  </form>

  <script>
    onsubmit = (e) => {
      e.preventDefault();
      const formData = new FormData(e.target);
      const formProps = Object.fromEntries(formData);

      fetch("https://integration.axo-test.io/v1/loan-application/", {
        method: "POST",
        headers: { "Content-type": "application/json; charset=UTF-8" },
        body: JSON.stringify({
          application: {
            AppliedAmount: parseInt(formProps.AppliedAmount) || 100000,
            LoanDuration: parseInt(formProps.LoanDuration) || 10,
            MarketCountry: "DK",
            Brand: "lendme.dk"
          },
          customer: {
            MobilePhoneNumber: formProps.PhoneNumber || "40000000",
            Email: formProps.Email || "[email protected]"
          },
          person: {
            SocialSecurityNumber: formProps.SocialSecurityNumber || "2803282547"
          },
          tracking: {
            HasOffersAffiliateURL: "https://go.axogroup.com/...",
            StartedAtUrl: document.location.pathname
          },
        })
      })
        .then((response) => response.ok ? response.json() : Promise.reject(response))
        .then((axoResponse) => {
          sessionStorage.setItem("axo.token", axoResponse.jwt);
          sessionStorage.setItem("axo.application-id", axoResponse.applicationID);
          window.location.replace('axo-form.html');
        })
        .catch(() => alert("Error creating the application at Axo."));
    };
  </script>
</body>
</html>

<!-- axo-form.html -->
<!DOCTYPE html>
<html>
<head>
  <title>Axo Whitelabel Form</title>
</head>
<body>
	<script 
  	id='axo-script'
    src='https://embed.axogroup.com/lendme.dk/loan-application/main.js'
    type='module'>
	</script>
</body>
</html>

Method 2: Full Front-End Integration

This method is for partners who prefer AXO to handle the entire customer journey.
No custom form or API integration is required.

Example Scenario

A lead lands on the partner site.
The partner embeds the AXO Whitelabel Form on the landing page.
1. Please note that in this scenario, you have to include the data-has-offers-affiliate-urlattribute in the script tag for your lead to attributed correctly in our systems
The lead completes the form directly.
The lead is redirected to Axo Group My Page

Example Code

<!-- index.html -->
<!DOCTYPE html>
<html>
<head>
  <title>Axo Whitelabel Form</title>
</head>
<body>
  <script 
  	id='axo-script'
    src='https://embed.axogroup.com/lendme.dk/loan-application/main.js'
    data-has-offers-affiliate-url="<YOUR-TRACKING-URL>"
    type='module'>
	</script>
</body>
</html>

AXO Integration API

The AXO Integration API can be used to initiate loan applications, as shown in Method 2: Full Front-End Integration. The API does not require authentication to use. An example request/response is given below.

Example Request

curl -X 'POST' \
 'https://integration.axo-test.io/v1/loan-application/' \
 -H 'accept: application/json' \
 -H 'Content-Type: application/json' \
 -d '{
  "application": {
    "AppliedAmount": 100000,
    "LoanDuration": 10,
    "MarketCountry": "NO",
    "Brand": "axofinans.no"
  },
  "customer": {
    "Email": "[email protected]",
    "MobilePhoneNumber": "40000000"
  },
  "person": {
    "SocialSecurityNumber": "01018012345"
  },
  "tracking": {
    "StartedAtUrl": "/my-test-page",
    "HasOffersAffiliateURL": "https://go.axogroup.com/...",
  }
}'

When doing test requests, its important that Whitelabel Partners do not use real emails or phone numbers, as this may result in real users getting test-communication from our platform.

Example Response

The response includes

applicationID: The internal AXO ID for this loan application.
jwt: JSON Web Token. The Whitelabel Form needs this to authenticate with AXOs other back-end services. For how to use it, see Method 2: Full Front-End Integration.
transactionID: Clicks and conversions will be tracked towards this transaction id in Tune.

{
 "applicationID": "123e4567-e89b-12d3-a456-426614174000",
 "jwt": "dGhpcyB3aWxsIGJlIGEgbG9uZyB2Y.WxpZCBqc29uI...",
 "transactionID": "10201030c8012e449f894ae1e60971"
}

Request Schema

Property	Type	Required	Description & Validations
`application.AppliedAmount`	Number	true	NO min: 10000 max: 800000 SE min: 5000 max: 800000 DK min: 10000 max: 400000 FI min: 500 max: 70000
`application.LoanDuration`	Number	true	NO min: 1, max: 20 SE min: 1, max: 15 DK min: 1, max: 15 FI min:1, max: 15
`application.MarketCountry`	String - Enum	true	Legal Values `NO`, `SE`, `DK`, `FI`
`application.Brand`	String	true	`axofinans.no` \| `axofinans.se` \| `axolaina.fi` \| `lendme.dk` \| `zmarta.fi` \| `zmarta.no` \| `zmarta.se`
`application.Purpose`	String - Enum	false	Please note that `Other`is used for cash applications in all markets. NO N/A - Axo will automatically calculate the most appropriate purpose SE `Vehicle`,`Renovation`, `Other`, `Holiday`, `Medical`, `Refinancing loan` DK `Vehicle`,`Renovation`, `Real estate`, `Medical`, `Special occasion`, `Holiday`, `Investment`, `Refinancing loan`, `Green energy` FI `Vehicle`,`Renovation`, `Other`, `Refinancing loan`
`application.HousingType`	String - Enum	false	`Own house` \| `Own apartment` \| `Rental` \| `Partners House` \| `Company owned flat` \| `Cohabitant` \| `Tenant`\| `Cooperative apartment` \| `With parents`
`application.MaritalStatus`	Srring - Enum	false	`Married` \| `Single` \| `Cohabiting` \| `Divorced` \| `Separated` \| `Widowed`
`application.WhiteLabelConsent`	Boolean	false	Should reflect the state of the marketing consent that the WL may have on their step 1. Axo will only use this for incomplete reminder flows, not as a general Axo marketing consent.
`customer.Email`	String	true	Standard email validation rules apply.
`customer.MobilePhoneNumber`	String	true	Standard phone number validation rules per market country applies. Please note: the phone number should be provided without the country code.
`person.SocialSecurityNumber`	String	false	Standard SSN validation rules per market country applies.
`tracking.StartedAtUrl`	String	true	Should be the local path where you host your form, e.g., `/refinancing-loans`
`tracking.HasOffersAffiliateURL`	String	true	Your tracking URL as provided by the Axo Affiliate Team. If this is not correct, clicks and conversions will not be attributed correctly to the partner.

Environments & URLs

Environment	Product Type	URL
PROD	Unsecured Loans	`https://integration.axofinance.com/v1/loan-application`
TEST	Unsecured Loans	`https://integration.axo-test.io/v1/loan-application`
PROD	Credit Cards	not yet supported
TEST	Credit Cards	not yet supported

Pre-Check API

The Pre-Check API allows you to verify whether AXO might pay for a lead before submitting them to the AXO platform. Final payout depends on the lead quality and your commission model.

This API works across all Axo Group brokering products and brands.

Authentication

Use your dedicated API key in the x-api-key header.
If you don’t have a key, please contact our Affiliate Team.

Environments & URLs

Environment	Product Type	URL
PROD	Unsecured Loans	`https://integration.axofinance.com/pre-check`
TEST	Unsecured Loans	`https://integration.axo-test.io/pre-check`
PROD	Credit Cards	`https://integration.axofinance.com/pre-check/credit-card`
TEST	Credit Cards	`https://integration.axo-test.io/pre-check/credit-card`

Request Parameters

Parameter	Type	Required	Description
x-api-key	Header	true	Your API key. Contact our Affiliate Team if you don't have one or need a new key.
email	Query	true	The email address to check.
brand	Query	false	Optional brand domain to check. See table here for legal values. If omitted, the check will be done across all brands/brokers.

Example Request

curl --location --request GET 'https://integration.axo-test.io/[email protected]&brand=axofinans.no' --header 'x-api-key: <YOUR-API-KEY>'

Response

"REJECTED" – AXO will not pay for this lead.
"OK" – AXO might pay for this lead.

Styling Overrides

Styling overrides are currently not supported and we discourage trying to override any of the internal styles. Proper support for simple theming configured by the whitelabel partner is in development.

Revision History

Version	Description	Author
2025-W21-1	Added support for brand in the Pre-Check API.	JIL
2025-W16-1	Brand support.	GIO
2025-W14-1	First version of new guide published.	JIL