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Pier’s coverage endpoints provide our up-to-date state lending coverage and lending thresholds.

Coverage and Utilities

Welcome to the Pier API reference! These docs should help you get started quickly and easily.

Introduction

Borrowers represent a legal borrower, and can either be a consumer (e.g. for personal loans and lines of credit) or a business (e.g. for commercial charge cards and loans). Creating a borrower (or referencing an existing one) is the first step in the Pier credit origination process.

Borrowers

Applications represent the credit application for a borrower. Applications must be created for a given borrower, and one borrower can have many applications. Once an application is created, it must either be approved or rejected.

Applications

Once an application is accepted, the final step to complete the application process is for the applicant to execute the loan agreement.

Loan Agreements

A facility represents an active loan or line of credit. It contains references to the borrower, application and executed loan as well as the terms and other state information about the credit facility. Facilities are used by Pier’s system for servicing, credit reporting and other down stream functionality.

Facilities

Types

Pier uses HTTP codes to indicate the status of an API request.

API Reference

Borrowers Endpoints

Applications Endpoints

Loan Agreements Endpoints

Facilities Endpoints

Coverage and Utilities

Additional Information

Coverage and Utilities

Retrieve Pier commercial lending coverage

Retrieve Pier consumer lending coverage

Retrieve valid rejection reasons for rejecting an applicant