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POST
/
api
/
v1
/
services
/
user
/
calculate-apr
[https://finlend.fincode.software/api/v1/services/user/calculate-apr](https://finlend.fincode.software/api/v1/services/user/calculate-apr)

{
  "status": "<string>",
  "data": {
    "apr": 123,
    "totalInterest": 123,
    "totalFees": 123,
    "totalAmountPayable": 123,
    "monthlyPayment": 123,
    "breakdown": {}
  }
}
Calculates the APR for a loan application, providing customers with a clear understanding of the total cost of borrowing including interest and fees. 
[https://finlend.fincode.software/api/v1/services/user/calculate-apr](https://finlend.fincode.software/api/v1/services/user/calculate-apr)

​
Request Headers

​
X-Auth-Token
string
required
The JWT Access Token obtained from the /login or /refresh-token endpoint.
​
x-idempotency-key
string
required
Unique idempotency key for the request to prevent duplicate processing.
​
x-fapi-auth-date
string
required
The date and time at which the request was initiated (ISO 8601 format).
​
x-fapi-customer-ip-address
string
required
The IP address of the customer making the request.
​
x-fapi-interaction-id
string
required
Unique identifier for the interaction/session.
​
Content-Type
string
default:"application/json"
required
Must be application/json.

​
Request Body

​
loanAmount
number
required
The loan amount for which to calculate APR.
​
interestRate
number
required
Annual interest rate (as a percentage, e.g., 12.5 for 12.5%).
​
tenure
number
required
Loan tenure in months.
​
processingFee
number
Processing fee amount (if applicable).
​
otherFees
array
Array of other fees applicable to the loan.
​
loanProductId
string
Optional loan product ID to use product-specific fee structure.

​
Response

Returns the calculated APR and related cost information.
​
status
string
default:"SUCCESS"
Overall status of the API request.
​
data
object
APR calculation results.

​
Code Examples

curl --location --request POST 'https://finlend.fincode.software/api/v1/services/user/calculate-apr' \
--header 'X-Auth-Token: YOUR_JWT_ACCESS_TOKEN' \
--header 'x-idempotency-key: unique-key-12345' \
--header 'x-fapi-auth-date: 2024-01-15T10:30:00Z' \
--header 'x-fapi-customer-ip-address: 192.168.1.1' \
--header 'x-fapi-interaction-id: interaction-12345' \
--header 'Content-Type: application/json' \
--data '{
    "loanAmount": 50000,
    "interestRate": 12.5,
    "tenure": 12,
    "processingFee": 500,
    "loanProductId": "123e4567-e89b-12d3-a456-426614174000"
}'