Cowdidocs
API ReferenceTerm loan applications

Create a loan application

Get loan eligibility and terms for the organization's lending product. For JWT auth, uses the authenticated user. For API key auth, provide user_id in body.

POST
/v1/accounts/loan/applications/{organization}

Path Parameters

organization*string

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/string" \  -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": {    "duration": 3,    "unit": "DAYS"  },  "interest_rate": {    "basis_points": 50,    "period_value": 3,    "period_unit": "DAYS"  },  "standard_interest_rate": {    "basis_points": 50,    "period_value": 3,    "period_unit": "DAYS"  },  "terms_range": {    "min_loan_amount": 50000,    "max_loan_amount": 5000000  },  "penalty_terms": {    "rate_basis_points": 20,    "calculation_basis": "PRINCIPAL_AND_ARREARS",    "type": "RECURRING",    "period_days": 1,    "trigger": "AFTER_LOAN_END",    "grace_period_days": 0,    "max_charge_days": 5  },  "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 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.

Get Fee Schedule GET

Get the account's fee schedule as client-evaluable data. Clients can evaluate this locally for instant fee estimates; the same schedule drives the live charge path, so estimates never drift from the charged fee. A schedule with evaluable=false, and any transaction no rule matches, has no locally computable fee: fall back to the transaction preview endpoint.