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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.

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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.

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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"
      }
    ]
  }
}

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Product Codes

Product CodeDisplay NameLegacy AliasNotes
ONLINE_PERSONALPersonal LoanPERSONAL_LOANStandard journey flow
ONLINE_GOLDGold LoanGOLD_LOANRequires goldLoanDetails in initiate request

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Gold Loan — Additional Requirements

When initiating a Gold Loan journey, you must include a goldLoanDetails object in the request body:
FieldTypeRequiredNotes
jewellaryListstring[]YesAt least one item, e.g. ["Gold chain 22K"]
gramsstringYesNumeric string, e.g. "35.5"
See Integration Steps for the full initiate request reference.