New Loan Application

Apply for loans from any of the setup business branches and get funds disbursed directly into provided bank details

POST https://<your_business_alias>.lendastack.io/ias/loan

This endpoint creates a new loan application on the system. To automate Loan approval at creation, set it up by calling this endpoint https://<your_business_alias>.lendastack.io/ias/loan/autosetting/activate/deactivate

Headers

Name	Type	Description
Authentication*	String	The encoded combination of your public key and secret key (see the Test and go live section of the docs)

Request Body

Name	Type	Description
BranchId	Int	Id of the branch where loan is created (you can spool list of branches from /ias/branch/branches)
UtilityBillFile	String	Utility bill document (Max 5MB) Formats Allowed: ".png", ".jpeg", ".jpg", ".docx", ".pdf"
BankStatementFile	Object	Customer's bank statement filte. (Max 5MB) Formats Allowed: ".png", ".jpeg", ".jpg", ".docx", ".pdf"
DateOfBirth	String	Customer's date of birth
NextOfKinAddress	String	Customer's next of kin address
NextOfKinPhoneNumber	String	Customer's next of kin phone number
NextOfKinName	String	Customer's next of kin name
CustomerAltPhoneNumber	String	Customer's next of kin alternative phone number
CustomerPhoneNumber	String	Customer's phone number
SalesPersonId	String	Id of salesperson
Gender	String	Customer's gender
RepaymentMethod *	String	Method for loan repayment. Must be: Cash Card - Paystack Cheque Deduction At Sourceor Automatic Direct Debit - Remita
UtilityBill	Object	Document of any Utility Bill like - NEPA, etc
ResidentialAddress *	String	Customer's residential address
BankAccountName	String	Customer's bank account name
BankAccountNumber *	String	Customer's bank account number
BankName *	String	Customer's bank name
BankSortCode *	String	Customer's bank sort code
EmployerId	Int	Id of customer's employer if employed (you can spool list of employers from ias/employer/employers)
EmployerName	String	Customer's employer name. Required if the customer's employer is not on the system
EmployerPhone	String	Customer's employer phone number. Required if the customer's employer is not on the system
EmployerEmailAddress	String	Customer's employer email. Required if the customer's employer is not on the system
EmployerAddress	String	Customer's employer address. Required if the customer's employer is not on the system
EmployerPayDate	Int	Customer's employer pay date. Required if the customer's employer is not on the system
EmploymentCode	String	Customer's employment code. Required if the customer's employment status is Employed
GradeLevel	String	Customer's grade level. Required if the customer's employment status is Employed
DateOfEmployment	String	Customer's employment date. Required if the customer is employed
BankStatement	Object	Customer's bank statement file
EmploymentIndustryId	Int	Id of customer's employment industry (you can spool list of employment industry from /ias/employer/industries)
EmploymentStatus *	String	Employment status must be EMPLOYED or SELF EMPLOYED
Bvn	String	Customer's bank verification number
CustomerId	Int	Customer's Id (you can spool list of customers from /ias/loan/searchcustomer)
EmailAddress	String	Customer's email address (must be a valid email adress)
NetIncome*	decimal	Customer's net income
LoanReasonId	Int	Loan reason id (you can spool list of loan reasons from /ias/loan/loanreasons/:searchParameter)
LoanDuration *	Int	Duration of the loan in months or weeks depending on the loan type specified (must be a number greater than zero)
LoanAmount *	decimal	The loan amount (Allowed range will vary according to the loan product selected )
LoanTypeId *	Int	Id of the loan product (you can spool list of loan types from /ias/loan/loantypes/:branchId)
CommissionInfo[0].amount	decimal	List of CommissionInfo object ( amounnt, roleTypeId and roleType) : Commission Amount
CommissionInfo[0].roleType	String	List of CommissionInfo object ( amounnt, roleTypeId and roleType) : Commission roleType (Branch, Salesperson or Team)
CommissionInfo[0].roleTypeId	int	List of CommissionInfo object ( amounnt, roleTypeId and roleType) : commission roleTypeId
LoanDeposit.IsLoanDepositRecieved	bool	Loan Deposit object - LoanDeposit IsLoanDepositRecieved
LoanDeposit.DepositAmount	decimal	Loan Deposit object - LoanDeposit DepositAmount

200: OK Success

{
    "data": 1208,
    "status": true,
    "message": "Success"
}

400: Bad Request Failure

{
    "status": false,
    "message": "You have a running application with code -  currently at Loan Active"
}