Skip to main content
POST
/
user
/
request-loan
Request Loan
curl --request POST \
  --url https://{tenant}.fincode.software/api/v6/services/user/request-loan \
  --header 'Content-Type: application/json' \
  --data '
{
  "currencyCode": "<string>",
  "dateOfBirth": "<string>",
  "durationCounter": 123,
  "loanApplicationStatusEnum": "REQUESTED",
  "employmentStatus": "<string>",
  "loanAmount": 123,
  "bvn": "<string>",
  "firstName": "<string>",
  "lastName": "<string>",
  "accountNumber": "<string>",
  "bankCode": "<string>",
  "phoneNumber": "<string>",
  "loanDuration": 123,
  "loanProductId": "<string>",
  "loanRepaymentMethodEnum": "<string>",
  "monthlyIncome": 123,
  "eligibilityAnswers": [
    {
      "questionId": "<string>",
      "answer": "<string>"
    }
  ]
}
'
Creates a new loan application request. Customers or agents can use this endpoint to submit loan applications with required details including loan amount, product selection, and eligibility information.

​
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

​
currencyCode
string
required
The currency code for the loan (e.g., “NGN”).
​
dateOfBirth
string
required
Customer’s date of birth (YYYY-MM-DD).
​
durationCounter
number
required
The numeric value of the duration (e.g., 12).
​
loanApplicationStatusEnum
string
default:"REQUESTED"
required
Initial status of the application. Must be “REQUESTED”.
​
employmentStatus
string
required
Customer’s employment status (e.g., “EMPLOYED”, “SELF_EMPLOYED”).
​
loanAmount
number
required
The requested loan amount.
​
bvn
string
required
Bank Verification Number of the customer.
​
firstName
string
required
Customer’s first name.
​
lastName
string
required
Customer’s last name.
​
accountNumber
string
required
Bank account number for disbursement/repayment.
​
bankCode
string
required
Code of the bank associated with the account number.
​
phoneNumber
string
required
Customer’s phone number.
​
loanDuration
number
required
Duration of the loan.
​
loanProductId
string
required
The unique identifier of the loan product.
​
loanRepaymentMethodEnum
string
required
Method of repayment (e.g., “DIRECT_DEBIT”).
​
monthlyIncome
number
required
Customer’s monthly income.
​
eligibilityAnswers
array
Array of answers to eligibility questions.

​
Code Examples

curl --location --request POST 'https://finlend.fincode.software/api/v6/services/user/request-loan' \
--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 '{
    "currencyCode": "NGN",
    "dateOfBirth": "1990-01-01",
    "durationCounter": 12,
    "loanApplicationStatusEnum": "REQUESTED",
    "employmentStatus": "EMPLOYED",
    "loanAmount": 50000.00,
    "bvn": "12345678901",
    "firstName": "John",
    "lastName": "Doe",
    "accountNumber": "0123456789",
    "bankCode": "044",
    "phoneNumber": "08012345678",
    "loanDuration": 12,
    "loanProductId": "product-123",
    "loanRepaymentMethodEnum": "DIRECT_DEBIT",
    "monthlyIncome": 150000.00,
    "eligibilityAnswers": [
        {
            "questionId": "q1",
            "answer": "Yes"
        }
    ]
}'

Body

application/json
​
currencyCode
string
​
dateOfBirth
string
​
durationCounter
number
​
loanApplicationStatusEnum
string
default:REQUESTED
​
employmentStatus
string
​
loanAmount
number
​
bvn
string
​
firstName
string
​
lastName
string
​
accountNumber
string
​
bankCode
string
​
phoneNumber
string
​
loanDuration
number
​
loanProductId
string
​
loanRepaymentMethodEnum
string
​
monthlyIncome
number
​
eligibilityAnswers
object[]

Response

200

Loan application created successfully