{ "status": "ok", "controller": "pl", "method": "Userkey", "nonce": "6b880f95cc" }
{ "status": "ok", "userkey": "username%7C1713047870%7Cd45f0bd7d03014b0c51cd6d9e0c7f794%7C8a9b0f85e86096973f97f19ad5f4f7275d8e34187adc3b43ed91662921a6de8f", "expiration": 1713047870 }
{ "status": "ok", "borrower_details": { "id": 63578, "username": "newborrower1", "email": "newBorrower1@gmail.com", "first_name": "John", "last_name": "Doe", "dob": "10-01-1983", "annual_income": "25000", "postcode": "AL11EA", "city": "London", "street": "Address Line 1", "building": "10", "building_name": "", "flat": "", "years_lived": "", "previous_address": "", "homeowner_status": "", "employment_status": "Unemployed", "employer_name": "", "marketing_opt_in": "", "terms_conditions": "", "phone_number": "123456789" }, "loan_details": { "id": 289037, "status": "Live - Performing", "purpose": "a holiday", "currency": "GBP", "amount": 1000, "term": 12, "interest_rate": 15.5, "score": 100, "acceptance_code": "2168", "gocardless_subscription_id": "SB123456789", "gocardless_customer_id": "CU123456789", "number_of_times_delinquent": 2, "days_delinquent": 74, "amount_delinquent": 90.49, "payments_delinquent": 1, "capital_balance": 922.42, "interest_balance": 72.97, "utm_source": "" }, "status_updates": [ { "date": "2023-01-31 11:33:34", "status": "Live - Performing", "user_id": 1761, "user_name": "Pawel2 Szewczyk" } ], "invoice_finances": [ { "ID": "3", "ref": "Repayments app_id: 288412", "application_id": "289037", "amount": "100", "payment_due": "2022-12-14", "status": "paid_out", "currency": "GBP", "payment_id": "PM006HE7DZZXCM" }, { "ID": "25", "ref": "Repayments app_id: 288412", "application_id": "289037", "amount": "100", "payment_due": "2023-02-08", "status": "failed", "currency": "GBP", "payment_id": "PM006HE7DZZXCE" } ], "loan_processing": { "assigned_to_id": 0, "assigned_to_name": "", "risk_rating": "", "status": "Live - Performing" }, "loan_contract": { "url": "", "docusign_url": "", "docusign_id": "", "date_created": "", "date_signed": "" }, "loan_completion": { "borrower_completion_date": "2023-01-31 11:33:34", "admin_completion_date": "2023-01-31 11:33:34", "repayments_start_date": "2023-01-10", "term_months": 12, "total_loan_amount": 1000 }, "invoice_schedule": [ { "reference": "Repayments app_id: 288412", "amount": "100", "date": "2023-02-08", "status": "failed", "payment_id": "PM006HE7DZZXCE" }, { "reference": "Repayments app_id: 288412", "amount": "100", "date": "2022-12-14", "status": "paid_out", "payment_id": "PM006HE7DZZXCM" } ], "loan_offers": [ { "bid_id": 948, "lender_id": 54252, "amount": 1000, "capital_outstanding": 1000, "repaid_amount": 0, "rate": 15.5, "date": "2023-01-31 11:33:35", "status": 3 } ], "repayments_schedule": [ { "term_month": 1, "beginning_balance": 1000, "repayment_amount": 90.49, "capital": 77.58, "interest": 12.91, "ending_balance": 922.42, "date_due": "2022-11-10", "repayment_date": "2022-12-01", "status": 1, "payment_id": "PM006HE7DZZXCM", "days_delinquent": 21 }, { "term_month": 2, "beginning_balance": 922.42, "repayment_amount": 90.49, "capital": 78.58, "interest": 11.91, "ending_balance": 843.84, "date_due": "2022-12-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 74 }, { "term_month": 3, "beginning_balance": 843.84, "repayment_amount": 90.49, "capital": 79.59, "interest": 10.9, "ending_balance": 764.25, "date_due": "2023-03-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 4, "beginning_balance": 764.25, "repayment_amount": 90.49, "capital": 80.62, "interest": 9.87, "ending_balance": 683.63, "date_due": "2023-04-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 5, "beginning_balance": 683.63, "repayment_amount": 90.49, "capital": 81.66, "interest": 8.83, "ending_balance": 601.97, "date_due": "2023-05-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 6, "beginning_balance": 601.97, "repayment_amount": 90.49, "capital": 82.72, "interest": 7.77, "ending_balance": 519.25, "date_due": "2023-06-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 7, "beginning_balance": 519.25, "repayment_amount": 90.49, "capital": 83.79, "interest": 6.7, "ending_balance": 435.46, "date_due": "2023-07-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 8, "beginning_balance": 435.46, "repayment_amount": 90.49, "capital": 84.87, "interest": 5.62, "ending_balance": 350.59, "date_due": "2023-08-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 9, "beginning_balance": 350.59, "repayment_amount": 90.49, "capital": 85.97, "interest": 4.52, "ending_balance": 264.62, "date_due": "2023-09-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 10, "beginning_balance": 264.62, "repayment_amount": 90.49, "capital": 87.08, "interest": 3.41, "ending_balance": 177.54, "date_due": "2023-10-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 11, "beginning_balance": 177.54, "repayment_amount": 90.49, "capital": 88.2, "interest": 2.29, "ending_balance": 89.34, "date_due": "2023-11-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 }, { "term_month": 12, "beginning_balance": 89.34, "repayment_amount": 90.49, "capital": 89.34, "interest": 1.15, "ending_balance": 0, "date_due": "2023-12-10", "repayment_date": "", "status": 0, "payment_id": "", "days_delinquent": 0 } ], "borrower_vulnerabilities": { "mental_health": "low", "physical_health": "", "life_events": "medium", "resiliance": "", "financial_difficulties": "high", "capabilities": "" }, "loan_flags": { "payment_holiday": true, "token_payments": true, "reduced_payments": false, "six_month_hold": false, "iva_trust_dead": false, "debt_management_plan": false, "breathing_space": true, "cancelled_dd": false, "fpnp": true }, "open_banking_status": { "bank_account_connected": true, "plaid_access_token_received": false, "plaid_public_token_sent_to_exposit": true }, "last_update_date": "2023-05-03 09:43:55" }
{ "status": "ok", "total_loans": 4, "displayed_loans": 1, "loans": [ { "borrower_details": { "id": 55031, "username": "ialwhjds", "email": "heDDllo@mailinator.com", "first_name": "uh", "last_name": "ioajwd", "dob": "13-06-1962", "annual_income": "8080890", "postcode": "b28 0ru", "city": "Lane", "street": "0RE Baldwins Lane", "building": "", "building_name": "", "flat": "B28", "years_lived": "1+ years", "previous_address": "", "homeowner_status": "Rent", "employment_status": "Part-Time", "employer_name": "jsl", "marketing_opt_in": "no", "terms_conditions": "", "phone_number": "077" }, "loan_details": { "id": "288787", "status": "Declined - Auto-Filters", "purpose": "debt consolidation", "currency": "GBP", "amount": 0, "term": 12, "interest_rate": 22.51, "score": 100, "acceptance_code": "1168", "gocardless_subscription_id": "", "gocardless_customer_id": "", "number_of_times_delinquent": 0, "days_delinquent": 0, "amount_delinquent": 0, "payments_delinquent": 0, "capital_balance": 0, "interest_balance": 0, "utm_source": "" }, "status_updates": [ " " ], "loan_processing": { "assigned_to_id": 0, "assigned_to_name": "", "risk_rating": "", "status": "Declined - Auto-Filters" }, "loan_contract": { "url": "", "docusign_url": "", "docusign_id": "", "date_created": "", "date_signed": "" }, "loan_completion": { "borrower_completion_date": "", "admin_completion_date": "", "repayments_start_date": "", "term_months": 12, "total_loan_amount": 0 }, "invoice_schedule": [], "loan_offers": [], "repayments_schedule": [], "borrower_vulnerabilities": { "mental_health": "", "physical_health": "", "life_events": "", "resiliance": "", "financial_difficulties": "", "capabilities": "", "0": "" }, "loan_flags": { "payment_holiday": false, "token_payments": false, "reduced_payments": false, "six_month_hold": false, "iva_trust_dead": false, "debt_management_plan": false, "breathing_space": false, "cancelled_dd": false, "fpnp": false }, "open_banking_status": { "bank_account_connected": true, "plaid_access_token_received": false, "plaid_public_token_sent_to_exposit": true }, "last_update_date": "2023-05-03 09:43:55" } ] }
{ "status": "ok", "total_number": "45", "offset": 0, "limit": 1, "transactions": [ { "transfer_id": 3789, "user_id": 63566, "user_name": "borrowerdefaultone borrowerdefaultone", "date": "2022-12-20 13:00:56", "amount": 1000, "currency": "GBP", "sort_code": "200000", "account_number": "55779911", "balance_before": -1000, "balance_after": 0, "user_status": "" } ] }
{ "status": "ok", "total_number": "45", "offset": 0, "limit": 1, "transactions": [ { "transfer_id": 3789, "user_id": 63566, "user_name": "borrowerdefaultone borrowerdefaultone", "date": "2022-12-20 13:00:56", "amount": 1000, "currency": "GBP", "sort_code": "200000", "account_number": "55779911", "balance_before": -1000, "balance_after": 0, "user_status": "" } ] }
{ "status": "ok", "options": { "Finder": { "term": 36, "cost": 100 }, "USwitch": { "term": 24, "cost": 200 }, "Money": { "term": 18, "cost": 50 }, "Money1": { "term": 12, "cost": 10 }, "Money2": { "term": 12, "cost": 25 } }, "date_updated": "2023-02-14 12:07:08" }
{ "status": "ok", "types": { "A1": { "cost": 20 }, "A2": { "cost": 100 }, "B1": { "cost": 50 }, "B2": { "cost": 75 }, "C1": { "cost": 25 } }, "date_updated": "2023-02-14 12:07:18" }
{ "status": "ok", "amount": 656709.25, "lenders": "24" }
{ "status": "ok", "previous_loan_status": "Live - Performing", "new_loan_status": "Declined - Auto-Filters" }
{ "status": "ok", "previous_loan_type": "B2", "new_loan_type": "A1" }
200 OK
{
"status": "ok",
"loan_url": "https://plend.co.uk/personal-loan?aff_loan_id=8x9cmaw9ev",
"loan_amount": 5000,
"loan_term": 12,
"APR_fixed": 22.51,
"APR_displayed": 24.99,
"monthly_repayment": 469.2,
"total_repayment": 5630.4,
"eligibility": 55
}
400 Bad Request - Using of GET request instead of POST
{
"status": "error",
"error": "This method should use HTTP POST request"
}
400 Bad Request - Missing or empty 'userkey'
{
"status": "error",
"error": "No user key found! Please generate one with the UserKey method"
}
400 Bad Request - Invalid 'userkey'
{
"status": "error",
"error": "Malformed UserKey, please generate a new one"
}
400 Bad Request - empty 'email'
{
"status": "error",
"error": "'email' should be provided"
}
400 Bad Request - invalid 'loan_amount' value
{
"status": "error",
"error": "'loan_amount' should be integer between £1000 and £10000 with £500 step"
}
401 Unauthorized - Invalid or empty 'apikey'
{
"status": "error",
"error": "Full authentication is required to access this resource"
}
403 Forbidden - user didn't have required capabilities ('use_plend_api', or 'loan_manager') to access API method
{
"status": "error",
"error": "Access denied"
}
{ "content-type": "application/x-www-form-urlencoded", "accept": "*/*" }
{ "apikey" : "75674a89f885e5677ce756c75677", "userkey" : "user%7C1706933880%7Ced9a8c3837273c78145d728", "loan_amount" : "2500", "loan_term" : "24", "email" : "borrower@gmail.com", "first_name" : "John", "last_name" : "Doe", "dob" : "31-12-1990", "phone" : "123456790", "post_code" : "AL11EA", "town" : "London", "street" : "Street Name", "building_no" : "1", "building_name" : "Building Name", "flat" : "2", "prev_post_code" : "AL22EA", "prev_town" : "Leeds", "prev_street" : "Prev Street Name", "prev_building_no" : "3", "prev_building_name" : "Prev Building", "prev_flat" : "4", "home_status" : "18", "employment_status" : "15", "employer" : "Employer Name", "income" : "50000", "loan_purpose" : "other", "loan_purpose_details" : "I need a loan for...", "utm_source" : "meta", "email_subscription" : "1", "mortgage" : "1", "joint_mortgage" : "1", "email_subscription" : "0", "affiliate_loan_id" : "1234567890" }
200 OK
{
"status": "ok",
"borrower_id": 123456,
"borrower_name": "John Doe",
"loan_id": 123456,
"loan_term": 24,
"loan_amount": 3500,
"loan_rate": 0,
"loan_status": "Submitted - Pending Review",
"monthly_repayment": 145.83,
"total_repayment": 3499.92
}
400 Bad Request - Using email address not registered on the site
{
"status": "error",
"error": "Borrower with provided 'email_address' not found"
}
400 Bad Request - Using email address of borrower, who already have live/pending loan application or haven't connected his bank account
{
"status": "error",
"error": "Loan application can be created only for borrowers, who already have a closed/declined/cancelled loan"
}
{ "status": "ok", "date_from": "", "date_to": "", "utm_source": "", "limit": 100, "url_clicks": [ { "link": "https://plend.co.uk/personal-loan/?aff_loan_id=4a7e92d8e3", "date_created": "2024-01-20 06:02:21", "date_clicked": "2024-01-20 06:03:42", "utm_source": "creditkarma80", "app_id": 0 }, { "link": "https://plend.co.uk/personal-loan/?aff_loan_id=et2gi0hong", "date_created": "2024-01-19 23:34:03", "date_clicked": "2024-01-19 23:36:18", "utm_source": "totallymoney80", "app_id": 320657 }, }
{ "status": "ok", "borrower_id": 45678, "loan_id": 123456, }