Submit Loan
POST
/v1/loans/submit
active status, submit the loan details to create and queue it for disbursement.Request
Authorization
OAuth 2.0
Client Credentials
Add the parameter
Authorization
to Headers，whose value is to concatenate the Token after the Bearer.Example:
Authorization: Bearer ********************Token URL: https://api.sandbox.qfast.id/v1/oauth2/token
or
Header Params
Body Params application/json
Example
{
"merchant_id": "019db2ee-3857-7148-b320-6f6e7c4deedd",
"loan": {
"reference_account_number": "LND-ACC-2026-0001",
"principal_amount": "5000000.00",
"interest_amount": "750000.00",
"admin_fee_amount": "50000.00",
"reserve_amount": "500000.00",
"term_unit": "month",
"term_length": 3,
"penalty_rate": 0.01,
"start_date": "2026-05-15",
"repayment_schedules": [
{
"reference_id": "SCH-MONTH-1",
"principal_amount": "1666667.00",
"interest_amount": "250000.00",
"due_date": "2026-06-15",
"daily_repayment_schedules": [
{
"reference_id": "DAY-001",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-05-15"
},
{
"reference_id": "DAY-002",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-05-16"
}
]
},
{
"reference_id": "SCH-MONTH-2",
"principal_amount": "1666667.00",
"interest_amount": "250000.00",
"due_date": "2026-07-15",
"daily_repayment_schedules": [
{
"reference_id": "DAY-003",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-06-15"
},
{
"reference_id": "DAY-004",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-06-16"
}
]
},
{
"reference_id": "SCH-MONTH-3",
"principal_amount": "1666666.00",
"interest_amount": "250000.00",
"due_date": "2026-08-15",
"daily_repayment_schedules": [
{
"reference_id": "DAY-005",
"principal_amount": "55555.53",
"interest_amount": "8333.33",
"due_date": "2026-07-15"
},
{
"reference_id": "DAY-006",
"principal_amount": "55555.53",
"interest_amount": "8333.33",
"due_date": "2026-07-16"
}
]
}
]
}
}Request Code Samples
Shell
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Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://api.sandbox.qfast.id/v1/loans/submit' \
--header 'Request-Id: b92f3b00-df6a-43bb-b597-97c43b523674' \
--header 'Accept: application/json' \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '{
"merchant_id": "019db2ee-3857-7148-b320-6f6e7c4deedd",
"loan": {
"reference_account_number": "LND-ACC-2026-0001",
"principal_amount": "5000000.00",
"interest_amount": "750000.00",
"admin_fee_amount": "50000.00",
"reserve_amount": "500000.00",
"term_unit": "month",
"term_length": 3,
"penalty_rate": 0.01,
"start_date": "2026-05-15",
"repayment_schedules": [
{
"reference_id": "SCH-MONTH-1",
"principal_amount": "1666667.00",
"interest_amount": "250000.00",
"due_date": "2026-06-15",
"daily_repayment_schedules": [
{
"reference_id": "DAY-001",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-05-15"
},
{
"reference_id": "DAY-002",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-05-16"
}
]
},
{
"reference_id": "SCH-MONTH-2",
"principal_amount": "1666667.00",
"interest_amount": "250000.00",
"due_date": "2026-07-15",
"daily_repayment_schedules": [
{
"reference_id": "DAY-003",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-06-15"
},
{
"reference_id": "DAY-004",
"principal_amount": "55555.57",
"interest_amount": "8333.33",
"due_date": "2026-06-16"
}
]
},
{
"reference_id": "SCH-MONTH-3",
"principal_amount": "1666666.00",
"interest_amount": "250000.00",
"due_date": "2026-08-15",
"daily_repayment_schedules": [
{
"reference_id": "DAY-005",
"principal_amount": "55555.53",
"interest_amount": "8333.33",
"due_date": "2026-07-15"
},
{
"reference_id": "DAY-006",
"principal_amount": "55555.53",
"interest_amount": "8333.33",
"due_date": "2026-07-16"
}
]
}
]
}
}'Responses
🟢200Success
application/json
Bodyapplication/json
Example
{
"data": {
"loan_id": "019e15a1-c644-705c-9330-fffa62cd44ed",
"reference_account_number": "LND-ACC-2026-0001",
"status": "pending",
"principal_amount": "5000000.00",
"interest_amount": "750000.00",
"admin_fee_amount": "50000.00",
"reserve_amount": "500000.00",
"reserve_balance_amount": "500000.00",
"term_unit": "month",
"term_length": 3,
"start_date": "2026-05-15"
}
}🟠400Missing Request-Id
🟠409Merchant Not Active
🟠409Duplicate Reference Account Number
🟠409Borrower Has Active Loan
🟠422Unprocessable Entity