Overview
The EasyCred Partner API lets your backend originate consumer loan applications on EasyCred’s platform. You can either hand the customer a ready-made EasyCred screen, or drive every step yourself from your own app. This guide walks a partner engineer through a working integration in order: get credentials → sign requests → start a journey → drive it to a decision → track the outcome. Each section is self-contained — you can read it top to bottom during onboarding, or jump to a specific step.Audience: Partner backend engineers. All examples are server-to-server (REST + JSON). No customer PII is ever returned by this API.
Base URLs
Two Integration Modes
You choose the integration mode per request, at the moment you start a journey (thechannel field). Pick the one that matches how much of the customer experience you want to own.
Hosted (API_HOSTED)
Starting a journey returns a
hostedUrl. You redirect or embed it — EasyCred’s screens handle OTP, offers, KYC, e-sign and mandate. You just track the final status.Best for: The fastest integration — you don’t build any loan screens.Headless (API_HEADLESS)
Starting a journey returns a
journeySession. Your backend drives the flow over REST — reading state, submitting customer choices, and opening third-party links at verification steps.Best for: Full control — you build and own the customer-facing UI.Quick Start Flow
1
Get Your Credentials
Receive your
apiKey and signingSecret from EasyCred at onboarding. Store them immediately — they are shown only once.2
Sign Your Requests
Every request requires an HMAC-SHA256 signature computed from your
signingSecret. See Authentication.3
Start a Loan Journey
Call
POST {baseurl}/v1/partner/journey/initiate with the customer’s details and your chosen mode.4
Drive to a Decision
For headless: poll journey state and respond to each
nextAction. For hosted: hand off the hostedUrl and track status.5
Track the Outcome
Read the terminal
outcome or subscribe to webhooks for real-time status updates.