Product Access

Available Loan Products

Personal Loan

Code: ONLINE_PERSONALDigital journey via EASYCRED adapters. Fully headless — offers, KYC, eNACH, eSign all via API.

Gold Loan

Code: ONLINE_GOLDDigital journey with branch selection for physical gold evaluation. Requires goldLoanDetails in the API request.

Business Loan

Routes to EASYCRED adapters. Available for salaried and self-employed applicants.

Home Loan

Offline operations — assigned to EASYCRED’s home loan lending desk.

Car Loan

Offline operations — assigned to EASYCRED’s vehicle lending desk.

Education Loan

Offline operations — assigned to EASYCRED’s education lending desk.

Working Capital

Offline B2B operations — assigned to EASYCRED’s business lending desk.

Checking Your Access

You can view which products are enabled for your API key:

GET /api/v1/partner/products

Required scope: products:read

{
  "success": true,
  "data": {
    "products": [
      {
        "code": "ONLINE_PERSONAL",
        "displayName": "Personal Loan",
        "category": "ONLINE",
        "channel": "API"
      },
      {
        "code": "ONLINE_GOLD",
        "displayName": "Gold Loan",
        "category": "ONLINE",
        "channel": "API"
      }
    ]
  }
}

Access Restrictions

Scenario	HTTP Response	Action Required
Product not in your `productAccess` list	`403 Forbidden`	Contact EASYCRED to expand your product access
Correct product but missing API scope	`403 Forbidden`	Contact EASYCRED to update your API key scopes

Product access is configured at the partner account level by EASYCRED administrators. Contact your relationship manager to request access to additional products.

Loan Type	Route	Integration Mode
Personal Loan	EASYCRED	API Journey (Headless / Hosted)
Gold Loan	EASYCRED	API Journey (Headless / Hosted)
Business Loan	EASYCRED	API Journey
Home, Car, Education	Offline Operations	Manual — no API journey
Working Capital	Offline B2B	Manual — no API journey

Loan Type

Route

Integration Mode

Personal Loan

EASYCRED

API Journey (Headless / Hosted)

Gold Loan

EASYCRED

API Journey (Headless / Hosted)

Business Loan

EASYCRED

API Journey

Home, Car, Education

Offline Operations

Manual — no API journey

Working Capital

Offline B2B

Manual — no API journey

Getting Started

API Integration

Partner Portal

Overview

Available Loan Products

Personal Loan

Gold Loan

Business Loan

Home Loan

Car Loan

Education Loan

Working Capital

Checking Your Access

Access Restrictions

Loan Routing Summary

​Overview

​Available Loan Products

Personal Loan

Gold Loan

Business Loan

Home Loan

Car Loan

Education Loan

Working Capital

​Checking Your Access

​Access Restrictions

​Loan Routing Summary

Overview

Available Loan Products

Checking Your Access

Access Restrictions

Loan Routing Summary