QFAST API Documentation
    • Introduction
    • Authentication
    • Onboarding Flow
    • Loan Flow
    • Disbursement Flow
    • Repayment Flow
    • Area Reference
    • API
      • Obtain an Access Token
        POST
      • Onboarding Personal
        POST
      • Get Onboarding Status
        GET
      • Submit Loan
        POST
      • Update Loan
        PATCH
      • Get Loan
        GET
    • Webhook
      • Onboarding Webhooks
      • Loan Webhooks
      • Disbursement Webhooks
      • Repayment Webhooks

    Loan Flow

    After a merchant reaches active status, submit the loan. QFAST creates the loan, queues it for disbursement, and fires a loan.submitted webhook. While the loan is still pending, its data can be corrected via Update Loan.

    Flow Overview#

    Loan Submission & Lifecycle#

    Submit Loan#

    Submit loan applications using the active merchant_id — see Submit Loan for full request specifications and parameters.

    Status Lifecycle#

    After submission, the loan moves through these statuses:
    StatusDescription
    pendingLoan submitted, awaiting disbursement.
    activeLoan disbursed and repayment is in progress.
    paid_offAll repayments fulfilled and loan is closed.
    Poll Get Loan to check loan state at any time after submission.

    Next Steps#

    Disbursement Flow — Initiate loan disbursement from the QFAST dashboard.
    Repayment Flow — Automatic daily revenue deduction from QRIS transactions.
    Loan Webhooks — Event payload reference for loan.submitted and loan.active.
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    Onboarding Flow
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    Disbursement Flow
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