Approve application
Authorizations
Basic authentication header of the form Basic <encoded-value>, where <encoded-value> is the base64-encoded string username:password.
Path Parameters
Body
The amount (in cents) of the credit line offer (e.g. '200000' for $2,000.00)
The annual fee charged for the credit line (e.g. '5000' for $50.00)
The apr (in basis points) of the credit line offer (e.g. '750' for 7.50%)
The time in days between the last statement's closing date and the next statement's closing date. For consumer lines of credit, the minimum is '21'
The time in days between the end of a billing cycle and the bill's due date. For consumer lines of credit, the minimum is '21'
The interest rate (in basis points) of the loan or credit line offer (e.g. '750' for 7.50%)
The fee charged if a borrower misses the payment due date, in cents (e.g. '2500' for $25.00)
The origination fee charged to originate the line in cents (e.g. '20000' for $200)
The term of the line in months
If your platform charges a monthly finance charge for access to the line, the amount in cents
The interest rate (in basis points) charged during the grace period. Must be '0' for consumer lines of credit. Defaults to 0 if omitted
If you offer an introductory period with a reduced interest rate, the interest rate in basis points
If you offer an introductory period with a reduced interest rate, the term in months
line_of_credit Response
pending, approved, accepted, rejected, expired The borrower_id of the borrower the application belongs to
Timestamp the application object is created on
The type of credit product.
installment_loan, revolving_line_of_credit, closed_line_of_credit Timestamp when the application is either approved or rejected on
If the application is approved, an object containing the credit offer details
If the application is rejected, a list containing 1-4 rejection reason(s). The Rejection Reasons endpoint provides a list of valid reasons and descriptors
income_too_low, bank_balance_too_low, income_unpredictable, user_account_duplicate, sdb_check_failed, bank_account_linking_error, mla_failed, iddoc_failed, no_checking_or_savings_data, insufficient_bank_history, loan_location_no_license, address_invalid, income_verification_failed, stacking_behavior, ssn_verification_failed, too_many_nsfs, fraud_risk_too_high, bankruptcy, processor_suspended, cash_flow_verification_failed If the borrower requests an amount in their application, the requested loan or credit line amount in cents (e.g. 500000 for $5,000)