Create loan

POST

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

Last modified:2026-09-27 16:32:15

Create loan

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

Usage: status accepted and youCanNow includes create_loan (after mock e-NACH is active).

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

Next: POST /application/request-payout with that loanId, then ops dispatch-due.

Auth: Authorization: Bearer {{accessToken}}

Errors: 401 unauthorized | session_expired · 409 Revision conflict or step_not_ready

Request

Header Params

Body Params application/json

Examples

Responses

🟢201Loan created

application/json

Bodyapplication/json

🟠401Unauthorized

🟠409Revision conflict

Request Example

Shell

JavaScript

Java

Swift

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

Response Example

201 - Loan created

{
  "loan": {
    "id": "loan_1735123456789",
    "status": "active"
  }
}

Modified at 2026-09-27 16:32:15

Accept offer

Request payout