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Overview

Your partner account is granted access to a specific list of loan products during onboarding. Only products in your productAccess list can be submitted as leads or initiated via the API.

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Available Loan Products

Personal Loan

Code: ONLINE_PERSONALDigital journey via Ignosis ONDC 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.

Instant Personal Loan

Code: ONLINE_INSTANTSingle-shot product — a JusPay redirect link is sent via SMS. Not a journey flow.

Business Loan

Routes to Ignosis ONDC 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.

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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"
      }
    ]
  }
}

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Access Restrictions

ScenarioHTTP ResponseAction Required
Product not in your productAccess list403 ForbiddenContact EASYCRED to expand your product access
Correct product but missing API scope403 ForbiddenContact EASYCRED to update your API key scopes
Submitting ONLINE_INSTANT to journey endpoint400 Bad RequestUse the /instant-loans endpoint instead
Product access is configured at the partner account level by EASYCRED administrators. Contact your relationship manager to request access to additional products.

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Loan Routing Summary

Loan TypeRouteIntegration Mode
Personal LoanIgnosis ONDCAPI Journey (Headless / Hosted)
Gold LoanIgnosis ONDCAPI Journey (Headless / Hosted)
Instant Personal LoanJusPaySingle-shot redirect link
Business LoanIgnosis ONDCAPI Journey
Home, Car, EducationOffline OperationsManual — no API journey
Working CapitalOffline B2BManual — no API journey