Money is integer paise — ₹15,000 = 1500000. Follow GET /application/journey. Skipping a step returns 409 step_not_ready.

Create loan

POST

https://api-dev.myemipay.com/applications/create-loan

Last modified:2026-09-09 21:03:54

Create loan

When to call: status accepted and youCanNow includes create_loan (typically after eSign).

Why: one loan per application. This is the ledger loan, not the payout.

What it does: optional { loanId } (server generates otherwise). 201 { loan: { id, status } }. Captures loanId.

What happens next: POST /applications/request-payout with that loanId, then ops dispatch-due.

Auth: Authorization: Bearer {{accessToken}}

Request

Authorization

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

Header Params

Body Params application/json

Examples

Responses

🟢200

application/json

Bodyapplication/json

Request Example

Shell

JavaScript

Java

Swift

curl --location 'https://api-dev.myemipay.com/applications/create-loan' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
  "loanId": "{{loanId}}"
}'

Response Example

{}

Modified at 2026-09-09 21:03:54

Accept offer

Request payout