Products

Overview

Your API key is granted access to a specific list of loan products via productAccess. Attempting to initiate a product that is not in your list returns 403 Forbidden.

Journey Products

The EasyCred journey flow supports the following products:

Personal Loan

Product Code: ONLINE_PERSONALLegacy alias: PERSONAL_LOAN (also accepted)A fully digital personal loan journey — from eligibility check through to disbursal.

Gold Loan

Product Code: ONLINE_GOLDLegacy alias: GOLD_LOAN (also accepted)A gold-secured loan journey that includes branch selection and physical gold evaluation.

Checking Your Enabled Products

Use the products endpoint to see exactly which products are enabled for your API key:

GET /api/v1/partner/products

Required scope: products:read Example response:

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

Product Codes

Product Code	Display Name	Legacy Alias	Notes
`ONLINE_PERSONAL`	Personal Loan	`PERSONAL_LOAN`	Standard journey flow
`ONLINE_GOLD`	Gold Loan	`GOLD_LOAN`	Requires `goldLoanDetails` in initiate request

Gold Loan — Additional Requirements

When initiating a Gold Loan journey, you must include a goldLoanDetails object in the request body:

Field	Type	Required	Notes
`jewellaryList`	`string[]`	Yes	At least one item, e.g. `["Gold chain 22K"]`
`grams`	`string`	Yes	Numeric string, e.g. `"35.5"`

See Integration Steps for the full initiate request reference.

Getting Started

API Integration

Partner Portal

Overview

Journey Products

Personal Loan

Gold Loan

Checking Your Enabled Products

Product Codes

Gold Loan — Additional Requirements

​Overview

​Journey Products

Personal Loan

Gold Loan

​Checking Your Enabled Products

​Product Codes

​Gold Loan — Additional Requirements

Overview

Journey Products

Checking Your Enabled Products

Product Codes

Gold Loan — Additional Requirements