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

{
  "status": "<string>",
  "data": {
    "repaymentId": "<string>",
    "loanApplicationId": "<string>",
    "payoffAmount": 123,
    "remainingBalance": 123,
    "loanStatus": "<string>",
    "transactionReference": "<string>",
    "payoffDate": "<string>"
  }
}
Customers can use this endpoint to settle their loan completely by paying the remaining outstanding balance in one transaction. 
[https://finlend.fincode.software/api/v1/services/user/payoff-loan](https://finlend.fincode.software/api/v1/services/user/payoff-loan)

​
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

​
loanApplicationId
string
required
The unique identifier (UUID) of the loan application to pay off.
​
paymentMethod
string
required
Method of payment. Options: WALLET, BANK_TRANSFER, CARD, etc.
​
transactionPin
string
Transaction PIN for authorization (if required).
​
payoffAmount
number
Optional payoff amount. If not provided, the system will calculate the full outstanding balance.

​
Response

Returns confirmation of the loan payoff with final settlement details.
​
status
string
default:"SUCCESS"
Overall status of the API request.
​
data
object
Payoff confirmation details.

​
Code Examples

curl --location --request POST 'https://finlend.fincode.software/api/v1/services/user/payoff-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 '{
    "loanApplicationId": "123e4567-e89b-12d3-a456-426614174000",
    "paymentMethod": "WALLET",
    "transactionPin": "1234"
}'