๐Apply Now
Use this endpoint to return end-to-end and get-quote offers for a customer who has completed a full personal loans application including the Affordability v1 module.
Synopsis
In order to get end-to-end offers for an applicant, you will need to submit their application details (including affordability data) to the POST Get Offers - (Apply Now) endpoint. In the response, you will see multiple offers. Those offers with a live score object represent end-to-end offers; whereas those with a live_score of -2 or without a live_score at all represent Get-Quote offers (indicative quotes).
If there are end-to-end offers, [and the applicant selects that they want this offer], you will need to use the POST Accept offer endpoint in order to...
Get Offers - (Apply Now)
Get Offers - (Apply Now)
POST
{{baseUrl}}/api/v1/offer
Submit an application to lenders for end-to-end as well as get-quote offers. See the available offers in the response. This endpoint will return live offers as well as indicative quotes as a fallback.
Request Body
Name | Type | Description |
---|---|---|
application_method* | String | "apply-now" or "get-quote". Indicates the type of loan application the applicant wishes to make. |
fast_application* | boolean | |
type | String | |
bank* | String | This is the slug of the bank that the applicant uses (this needs to match the slug used for "bank" in the Affordability v1 module > Create new Bank Account). |
employed* | boolean | This bool indicates whether or not the applicant is formally employed. |
payday* | integer | This is the day of the month on which the applicant routinely gets paid. |
bank_name* | String | This is the slug of the bank that the applicant uses (this needs to match the slug used for "bank" in the Affordability v1 module > Create new Bank Account). |
intent_id* | integer | An intent_id is assigned to a specific product in Fincheck Engine. The intent_id for personal loans is "2". The value will always be "2" in the Apply Now request (as it is for personal loans only). |
initial_popi | boolean | |
popi | boolean | |
expenses* | decimal | The expenses incurred by the customer in a month. This can be taken from the Summary Plus. |
income_source* | String | The type of income that the applicant receives (e.g. "salary", "wage", "commission", "sassa-grant". |
net_income* | decimal | The income after tax received by the applicant into their bank account. This will be compared against the main_income identified in the applicant's bank statements/transactions gleaned from the online process. This amount can be directly passed using the main_income amount identified by Gathr in the Summary Plus. |
gross_income* | decimal | The income before tax earned by the applicant. |
email* | String | The applicant's email address that they have access to and monitor regularly. |
cell_phone_number* | String | The applicant's primary cellphone number that can be used to contact them. |
id_number* | String | The applicant's South African ID number as per their ID document. |
last_name* | String | The last name/surname/family name of the applicant as per their ID document. |
middle_name | String | The middle name of the applicant as per their ID document. |
first_name* | String | The first name of the applicant as per their ID document. |
payment_frequency* | String | How often the applicant will make payments in settlement of the loan (i.e. the intervals in which payments will be made, e.g. weekly, fortnightly, monthly, etc.) |
repayment_period* | integer | Number of months the applicant would like repay the loan over. |
loan_amount_required* | integer | The amount the applicant would like to lend. |
bankAccount* | String | This is an object containing information for Fincheck Engine to reference the bank account that was created for the applicant in the Affordability v1 module > Create new Bank Account Gathr module. |
affiliate_id* | This is a number that references the???? | |
employment_province* | String | This is the province where the applicant's place of work can be found?? |
employment_cell_phone* | String | This is an alternate (work) contact number that the applicant can be reached at. |
employment_year* | String | This is the year in which the applicant started work at their current employer. |
employment_time | integer?? | This indicated how long the applicant has been employed at their current employer (in years??). |
employer_sector* | String | This is the economic sector in which the applicant's employer operates. |
employer* | String | This is the name of the business/organisation that the applicant is employed by, |
upload_method* | String | This is the method the applicant used to provide their bank statements/transactions (i.e. "statement" or "online") in the Affordability v1 module > Create new Bank Account module. |
More info on the fields in the request body:
Accept offer
POST
{{baseUrl}}/api/v1/accept
Accept a specific offer by "partner_id" and "hashid".
Request Body
Name | Type | Description |
---|---|---|
partner_id* | integer | This is the id that is assigned to a specific partner (i.e. lender) in Fincheck Engine. |
type* | String | "apply-now" or "get-quote". Indicates the type of loan application the applicant wishes to make. |
hashid* | String | This is the 6-character "id" at the bottom of the Get Offers - Apply Now response.??? |
live_score* | This is the live_score value from the POST Get Offers - (Apply Now) response. |
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