> ## Documentation Index
> Fetch the complete documentation index at: https://docs.easycred.co.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Product Access

> Understand which loan products are available through the EASYCRED partner platform and how access is managed.

## 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.

***

## Available Loan Products

<CardGroup cols={2}>
  <Card title="Personal Loan" color="#4f46e5" icon="user">
    **Code:** `ONLINE_PERSONAL`

    Digital journey via Ignosis ONDC adapters. Fully headless — offers, KYC, eNACH, eSign all via API.
  </Card>

  <Card title="Gold Loan" color="#f59e0b" icon="gem">
    **Code:** `ONLINE_GOLD`

    Digital journey with branch selection for physical gold evaluation. Requires `goldLoanDetails` in the API request.
  </Card>

  <Card title="Instant Personal Loan" color="#16a34a" icon="zap">
    **Code:** `ONLINE_INSTANT`

    Single-shot product — a JusPay redirect link is sent via SMS. Not a journey flow.
  </Card>

  <Card title="Business Loan" icon="briefcase">
    Routes to Ignosis ONDC adapters. Available for salaried and self-employed applicants.
  </Card>

  <Card title="Home Loan" icon="house">
    Offline operations — assigned to EASYCRED's home loan lending desk.
  </Card>

  <Card title="Car Loan" icon="car">
    Offline operations — assigned to EASYCRED's vehicle lending desk.
  </Card>

  <Card title="Education Loan" icon="graduation-cap">
    Offline operations — assigned to EASYCRED's education lending desk.
  </Card>

  <Card title="Working Capital" icon="building">
    Offline B2B operations — assigned to EASYCRED's business lending desk.
  </Card>
</CardGroup>

***

## Checking Your Access

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

```http theme={null}
GET /api/v1/partner/products
```

**Required scope:** `products:read`

```json theme={null}
{
  "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 |
| Submitting `ONLINE_INSTANT` to journey endpoint | `400 Bad Request` | Use the `/instant-loans` endpoint instead      |

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

***

## Loan Routing Summary

| Loan Type             | Route              | Integration Mode                |
| --------------------- | ------------------ | ------------------------------- |
| Personal Loan         | Ignosis ONDC       | API Journey (Headless / Hosted) |
| Gold Loan             | Ignosis ONDC       | API Journey (Headless / Hosted) |
| Instant Personal Loan | JusPay             | Single-shot redirect link       |
| Business Loan         | Ignosis ONDC       | API Journey                     |
| Home, Car, Education  | Offline Operations | Manual — no API journey         |
| Working Capital       | Offline B2B        | Manual — no API journey         |