Book a Loan Rejection

Applying for a loan is a POST API call

EXAMPLE REQUEST

POST /v3.1/users/5be92ff1321f48008fac90b3/nodes HTTP/1.1
Host: https://uat-api.synapsefi.com
X-SP-USER-IP: 255.127.79.76
X-SP-USER: oauth_9QacXjr56hOldHp8tNs|e83cf6ddcf778e37bfe3d48fc78a6502062fc
Content-Type: application/json
{
  "type": "LOAN-US",
  "info": {
  	"loan_type":"REVOLVING",
    "nickname":"My Loan",
    "credit_limit":{
    	"amount":500.2,
    	"currency":"USD"
    },
    "payment_node_id":"5be9300efc0a9800b28702bd",
    "document_id":"2a4a5957a3a62aaac1a0dd0edcae9",
    "schedule":"MONTHLY",
    "next_payment":30,
    "num_payments":10
  },
  "extra":{
  	"supp_id":"xx123c",
  	"note":"ACCOUNT|TOOSHORT"
  },
  "allowed":"REJECTED"
}
curl -X POST \
  https://uat-api.synapsefi.com/v3.1/users/5be92ff1321f48008fac90b3/nodes \
  -H 'Content-Type: application/json' \
  -H 'Postman-Token: 48464eed-ad9a-4fd0-b081-69fd78a47452' \
  -H 'X-SP-USER: oauth_9QacXjr56hOl|e83cf6ddcf778e37bfe3d48fc78a6502062fc' \
  -H 'X-SP-USER-IP: 255.127.79.76' \
  -d '{
  "type": "LOAN-US",
  "info": {
  	"loan_type":"REVOLVING",
    "nickname":"My Loan",
    "credit_limit":{
    	"amount":500.2,
    	"currency":"USD"
    },
    "interest": {
    	"apr": 10,
    	"cap": 5
    },
    "payment_node_id":"5be9300efc0a9800b28702bd",
    "document_id":"2a4a5957a3a62aaac1a0dd0edcae9",
    "schedule":"MONTHLY",
    "next_payment":30,
    "num_payments":10
  },
  "extra":{
  	"supp_id":"xx123c",
  	"note":"ACCOUNT|TOOSHORT"
  },
  "allowed":"REJECTED"
}'

EXAMPLES RESPONSE

{
    "error_code": "0",
    "http_code": "200",
    "limit": 20,
    "node_count": 1,
    "nodes": [
        {
            "_id": "5be930bffc0a9800b28702d0",
            "_links": {
                "self": {
                    "href": "https://uat-api.synapsefi.com/v3.1/users/5be92ff1321f48008fac90b3/nodes/5be930bffc0a9800b28702d0"
                }
            },
            "allowed": "REJECTED",
            "client": {
                "id": "589acd9ecb3cd400fa75ac06",
                "name": "SynapseFI"
            },
            "extra": {
                "note": "Length of account with PLATFORM",
                "other": {},
                "supp_id": "xx123c"
            },
            "info": {
                "agreements": [
                    {
                        "type": "ADVERSE_ACTION",
                        "url": "https://cdn.synapsepay.com/uploads/2018/11/12/ufX4lMJZcKhRHFNi2E809s1nkbO3V56LSPy0eTGwYDgBtUIQjr.pdf"
                    }
                ],
                "balance": {
                    "amount": 0,
                    "currency": "USD"
                },
                "credit_limit": {
                    "amount": 0,
                    "currency": "USD"
                },
                "document_id": "2a4a5957a3a62aaac1a0dd0edcae96ea2cdee688ec6337b20745eed8869e3ac8",
                "interest": {
                    "accrued": 0,
                    "apr": 10,
                    "cap": 0.05
                },
                "loan_type": "REVOLVING",
                "name_on_account": " ",
                "next_payment": 1544601021112,
                "nickname": "My Loan",
                "payment_node_id": "5be9300efc0a9800b28702bd",
                "schedule": "MONTHLY"
            },
            "is_active": true,
            "timeline": [
                {
                    "date": 1542009021112,
                    "note": "Node created."
                }
            ],
            "type": "LOAN-US",
            "user_id": "5be92ff1321f48008fac90b3"
        }
    ],
    "page_count": 1,
    "success": true

Custom Loan Rejections

Here are all the reasons for which you can book custom rejections:

Loan Rejection Reason
Description

ACCOUNT|TOOSHORT

The user has not had an account long enough to be eligible for a loan

INCOME|INSUFFICIENT

The user's income is not sufficient enough to repay the loan

INCOME|NOINFO

There is not enough information on the user's income

INCOME|UNVERIFIABLE

The platform is unable to verify the user's income

Book a Loan Rejection


Suggested Edits are limited on API Reference Pages

You can only suggest edits to Markdown body content, but not to the API spec.