Cowdidocs
API ReferenceGilanis loans

Create a Gilanis loan application

Get loan eligibility and terms. For JWT auth, uses the authenticated user. For API key auth, provide user_id in body.

POST
/v1/accounts/loan/applications/gilanis

Request Body

application/json

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X POST "https://example.com/v1/accounts/loan/applications/gilanis" \  -H "Content-Type: application/json" \  -d '{}'
{  "id": "650e8400-e29b-41d4-a716-446655440000",  "resource_id": "lapp_351t201rmv87aae5j4csam8000",  "status": "APPROVED",  "account_id": "550e8400-e29b-41d4-a716-446655440000",  "loan_product_type": "FLAT_RATE",  "loan_amount": 500000,  "tenure_weeks": 1,  "tenure": {    "duration": 1,    "unit": "WEEKS"  },  "weekly_interest_rate_basis_points": 1000,  "terms_range": {    "min_loan_amount": 100000,    "max_loan_amount": 5000000  },  "penalty_terms": {    "rate_basis_points": 36,    "calculation_basis": "PRINCIPAL_AND_ARREARS",    "type": "RECURRING",    "period_days": 28,    "trigger": "AFTER_LOAN_END",    "grace_period_days": 3  },  "currency": "KES",  "expires_at": "2025-10-27T10:30:00Z"}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "WAITING_LIST",  "description": "User is in the waiting list"}
{  "code": "TOO_MANY_REQUESTS",  "description": "Too Many Requests"}
{  "code": "INTERNAL_SERVER_ERROR",  "description": "Internal Server Error"}

Apply for a Gilanis loan POST

Submit a loan application. For JWT auth, provide loan_amount only. For API key auth, provide user_id and loan_amount in body. `invoice_id` is optional and identifies the invoice being financed; when supplied it is recorded against the disbursement and shown on the borrower's confirmation SMS.

Get repayment transactions for an installment GET

Retrieves immutable repayment allocations recorded for one installment, including historical revolving-credit cycles.