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POST
/
v1
/
loans
Submit a loan application
curl --request POST \
  --url https://api-dev.bsa.ai/v1/loans \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "customerId": 123,
  "productId": 123,
  "principal": 123,
  "loanTermFrequency": 123,
  "loanTermFrequencyType": 123,
  "numberOfRepayments": 123,
  "repaymentEvery": 123,
  "repaymentFrequencyType": 123,
  "interestRatePerPeriod": 123,
  "amortizationType": 123,
  "interestType": 123,
  "interestCalculationPeriodType": 123,
  "transactionProcessingStrategyCode": "<string>",
  "expectedDisbursementDate": "<string>",
  "submittedOnDate": "<string>",
  "loanType": "<string>"
}
'

Documentation Index

Fetch the complete documentation index at: https://docs.api.bsa.ai/llms.txt

Use this file to discover all available pages before exploring further.

Submits a new loan application against an existing customer and loan product. The loan starts in submitted and pending approval state — it is not yet active or disbursed.

​
Request body

​
customerId
integer
required
The customer this loan is for.
​
productId
integer
required
The loan product to use as a template. List available products via GET /v1/loan-products.
​
principal
number
required
Requested principal amount.
​
loanTermFrequency
integer
required
Loan term in units of loanTermFrequencyType.
​
loanTermFrequencyType
integer
required
Term unit. 0=days, 1=weeks, 2=months, 3=years.
​
numberOfRepayments
integer
required
Total installments.
​
repaymentEvery
integer
required
How often repayments occur in units of repaymentFrequencyType.
​
repaymentFrequencyType
integer
required
Same scale as loanTermFrequencyType.
​
interestRatePerPeriod
number
required
Percentage rate per period (e.g. 1.5 for 1.5%/month).
​
amortizationType
integer
required
0=equal principal payments, 1=equal installments.
​
interestType
integer
required
0=declining balance, 1=flat.
​
interestCalculationPeriodType
integer
required
0=daily, 1=same as repayment period.
​
transactionProcessingStrategyCode
string
Optional. Identifies how repayments are allocated (penalties → fees → interest → principal vs other orderings). Defaults to the product-configured strategy if omitted.
​
expectedDisbursementDate
string
required
ISO-8601 YYYY-MM-DD.
​
submittedOnDate
string
required
ISO-8601 YYYY-MM-DD. The application’s submission date.
​
loanType
string
required
One of individual, group, jlg.

​
Example

curl -sf -X POST "$BASE/v1/loans" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "customerId": 42,
    "productId": 1,
    "principal": 5000,
    "loanTermFrequency": 12,
    "loanTermFrequencyType": 2,
    "numberOfRepayments": 12,
    "repaymentEvery": 1,
    "repaymentFrequencyType": 2,
    "interestRatePerPeriod": 1.5,
    "amortizationType": 1,
    "interestType": 0,
    "interestCalculationPeriodType": 1,
    "expectedDisbursementDate": "2026-06-01",
    "submittedOnDate": "2026-05-22",
    "loanType": "individual"
  }'

​
Response

200 OK returns the freshly-created loan object.

​
Errors

CodeWhen
invalid_argumentMissing required field, invalid date, or violation of product-level rules (e.g. principal outside product range)
not_foundcustomerId or productId does not exist
abortedCustomer is not active, or violates an LMS business rule