Create loan application

curl --request POST \
  --url https://lender.sandbox.lerian.net/api/v1/loan-applications \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
  "borrowerKind": "pessoaFisica",
  "expectedDisbursementDate": "2026-06-14T12:00:00Z",
  "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
  "requestedInstallments": 24,
  "requestedInterestRate": "0.00000100",
  "requestedPrincipalAmount": "50000.00",
  "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8"
}
'

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://lender.sandbox.lerian.net/api/v1/loan-applications"

	payload := strings.NewReader("{\n  \"borrowerId\": \"550e8400-e29b-41d4-a716-446655440002\",\n  \"borrowerKind\": \"pessoaFisica\",\n  \"expectedDisbursementDate\": \"2026-06-14T12:00:00Z\",\n  \"loanProductVersionId\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"requestedInstallments\": 24,\n  \"requestedInterestRate\": \"0.00000100\",\n  \"requestedPrincipalAmount\": \"50000.00\",\n  \"previewScheduleSnapshotId\": \"6ba7b810-9dad-11d1-80b4-00c04fd430c8\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Idempotency", "<x-idempotency>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

const options = {
  method: 'POST',
  headers: {
    'X-Idempotency': '<x-idempotency>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    borrowerId: '550e8400-e29b-41d4-a716-446655440002',
    borrowerKind: 'pessoaFisica',
    expectedDisbursementDate: '2026-06-14T12:00:00Z',
    loanProductVersionId: '550e8400-e29b-41d4-a716-446655440000',
    requestedInstallments: 24,
    requestedInterestRate: '0.00000100',
    requestedPrincipalAmount: '50000.00',
    previewScheduleSnapshotId: '6ba7b810-9dad-11d1-80b4-00c04fd430c8'
  })
};

fetch('https://lender.sandbox.lerian.net/api/v1/loan-applications', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://lender.sandbox.lerian.net/api/v1/loan-applications"

payload = {
    "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
    "borrowerKind": "pessoaFisica",
    "expectedDisbursementDate": "2026-06-14T12:00:00Z",
    "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
    "requestedInstallments": 24,
    "requestedInterestRate": "0.00000100",
    "requestedPrincipalAmount": "50000.00",
    "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8"
}
headers = {
    "X-Idempotency": "<x-idempotency>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "assignedOfficerId": "officer-xyz",
  "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
  "expectedDisbursementDate": "2026-06-14T12:00:00Z",
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
  "previewJurisdictionCode": "BR",
  "previewProfileVersion": "1.0.0",
  "requestedInstallments": 24,
  "requestedInterestRate": "0.00000100",
  "requestedPrincipalAmount": "50000.00",
  "status": "pending_approval",
  "approvalDecision": {
    "approvedAmount": "48000.00",
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "9f1c2d3e-4b5a-6789-abcd-ef0123456789",
    "note": "<string>"
  },
  "borrowerKind": "pessoaFisica",
  "disbursementEvent": {
    "disbursedAt": "2026-06-14T12:00:00Z",
    "grossRequestedAmount": "50000.00",
    "id": "c3d4e5f6-a7b8-4901-acde-f01234567890",
    "loanAccountId": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "netDeliveredAmount": "49500.00",
    "profileVersion": "1.0.0"
  },
  "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
  "rejectionDecision": {
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "b2c3d4e5-f6a7-4890-9bcd-ef0123456789",
    "reason": "<string>"
  },
  "withdrawalDecision": {
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "b2c3d4e5-f6a7-4890-9bcd-ef0123456789",
    "reason": "<string>"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

POST

api

loan-applications

Create loan application

curl --request POST \
  --url https://lender.sandbox.lerian.net/api/v1/loan-applications \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Idempotency: <x-idempotency>' \
  --data '
{
  "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
  "borrowerKind": "pessoaFisica",
  "expectedDisbursementDate": "2026-06-14T12:00:00Z",
  "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
  "requestedInstallments": 24,
  "requestedInterestRate": "0.00000100",
  "requestedPrincipalAmount": "50000.00",
  "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8"
}
'

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://lender.sandbox.lerian.net/api/v1/loan-applications"

	payload := strings.NewReader("{\n  \"borrowerId\": \"550e8400-e29b-41d4-a716-446655440002\",\n  \"borrowerKind\": \"pessoaFisica\",\n  \"expectedDisbursementDate\": \"2026-06-14T12:00:00Z\",\n  \"loanProductVersionId\": \"550e8400-e29b-41d4-a716-446655440000\",\n  \"requestedInstallments\": 24,\n  \"requestedInterestRate\": \"0.00000100\",\n  \"requestedPrincipalAmount\": \"50000.00\",\n  \"previewScheduleSnapshotId\": \"6ba7b810-9dad-11d1-80b4-00c04fd430c8\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Idempotency", "<x-idempotency>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

const options = {
  method: 'POST',
  headers: {
    'X-Idempotency': '<x-idempotency>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    borrowerId: '550e8400-e29b-41d4-a716-446655440002',
    borrowerKind: 'pessoaFisica',
    expectedDisbursementDate: '2026-06-14T12:00:00Z',
    loanProductVersionId: '550e8400-e29b-41d4-a716-446655440000',
    requestedInstallments: 24,
    requestedInterestRate: '0.00000100',
    requestedPrincipalAmount: '50000.00',
    previewScheduleSnapshotId: '6ba7b810-9dad-11d1-80b4-00c04fd430c8'
  })
};

fetch('https://lender.sandbox.lerian.net/api/v1/loan-applications', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://lender.sandbox.lerian.net/api/v1/loan-applications"

payload = {
    "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
    "borrowerKind": "pessoaFisica",
    "expectedDisbursementDate": "2026-06-14T12:00:00Z",
    "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
    "requestedInstallments": 24,
    "requestedInterestRate": "0.00000100",
    "requestedPrincipalAmount": "50000.00",
    "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8"
}
headers = {
    "X-Idempotency": "<x-idempotency>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "assignedOfficerId": "officer-xyz",
  "borrowerId": "550e8400-e29b-41d4-a716-446655440002",
  "expectedDisbursementDate": "2026-06-14T12:00:00Z",
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "loanProductVersionId": "550e8400-e29b-41d4-a716-446655440000",
  "previewJurisdictionCode": "BR",
  "previewProfileVersion": "1.0.0",
  "requestedInstallments": 24,
  "requestedInterestRate": "0.00000100",
  "requestedPrincipalAmount": "50000.00",
  "status": "pending_approval",
  "approvalDecision": {
    "approvedAmount": "48000.00",
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "9f1c2d3e-4b5a-6789-abcd-ef0123456789",
    "note": "<string>"
  },
  "borrowerKind": "pessoaFisica",
  "disbursementEvent": {
    "disbursedAt": "2026-06-14T12:00:00Z",
    "grossRequestedAmount": "50000.00",
    "id": "c3d4e5f6-a7b8-4901-acde-f01234567890",
    "loanAccountId": "7c9e6679-7425-40de-944b-e07fc1f90ae7",
    "netDeliveredAmount": "49500.00",
    "profileVersion": "1.0.0"
  },
  "previewScheduleSnapshotId": "6ba7b810-9dad-11d1-80b4-00c04fd430c8",
  "rejectionDecision": {
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "b2c3d4e5-f6a7-4890-9bcd-ef0123456789",
    "reason": "<string>"
  },
  "withdrawalDecision": {
    "decidedBy": "<string>",
    "decisionAt": "2026-06-14T12:00:00Z",
    "id": "b2c3d4e5-f6a7-4890-9bcd-ef0123456789",
    "reason": "<string>"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

{
  "code": "<string>",
  "detail": "Property foo is required but is missing.",
  "errors": [
    {
      "location": "<string>",
      "message": "<string>",
      "value": "<unknown>"
    }
  ],
  "instance": "https://example.com/error-log/abc123",
  "status": 400,
  "title": "Bad Request",
  "type": "https://example.com/errors/example",
  "upstream": {
    "code": "E4001",
    "message": "account not found at provider"
  }
}

Authorizations

Authorization

string

header

required

JWT bearer token issued by the identity provider.

Headers

X-Idempotency

string

required

Canonical idempotency request ID (lib-commons enforcer reads this). Required: without a key a retry of this request cannot be told apart from a second instruction, and the duplicate it books is undone by hand.

Example:

"550e8400-e29b-41d4-a716-446655440003"

Body

application/json

borrowerId

string<uuid>

required

Borrower identifier (UUID).

Example:

"550e8400-e29b-41d4-a716-446655440002"

borrowerKind

enum<string>

required

Whose credit this is: the taxpayer kind of the borrower, as established by the KYC the client performed. REQUIRED. Brazil charges a different daily IOF aliquota per kind (Decreto 6.306/2007, art. 7o, I, "b"), so the withholding cannot be computed without it and the service will not guess. The pinned product version must admit the kind named here, or the application is refused with 422 LENDER-0228; a version that declared no kinds admits none.

Available options:

pessoaFisica,

pessoaJuridica

Example:

"pessoaFisica"

expectedDisbursementDate

string

required

Expected disbursement date (RFC3339).

Example:

"2026-06-14T12:00:00Z"

loanProductVersionId

string

required

Loan product version identifier (UUID).

Example:

"550e8400-e29b-41d4-a716-446655440000"

requestedInstallments

integer<int64>

required

Number of installments.

Required range: 1 <= x <= 600

Example:

24

requestedInterestRate

string

required

Requested monthly interest rate as a decimal string, scale 8 (e.g. "0.00000100").

Example:

"0.00000100"

requestedPrincipalAmount

string

required

Requested principal amount as a decimal string (e.g. "50000.00").

Example:

"50000.00"

previewScheduleSnapshotId

string<uuid>

Schedule offer this application cites: the scheduleOfferSnapshotId a schedule preview returned. OPTIONAL — an application does not have to be simulated first. When supplied it must name an offer on file, or the application is refused with LENDER-0236; its terms are never compared with the application's.

Example:

"6ba7b810-9dad-11d1-80b4-00c04fd430c8"

Response

Created

assignedOfficerId

string

required

Authenticated officer who created the application (request subject), or empty on a system-originated application, which has no human officer. Whatever the identity provider issues as the subject: not necessarily a UUID, at most 255 characters.

Example:

"officer-xyz"

borrowerId

string<uuid>

required

Borrower identifier (UUID).

Example:

"550e8400-e29b-41d4-a716-446655440002"

expectedDisbursementDate

string

required

Expected disbursement date (RFC3339, UTC).

Example:

"2026-06-14T12:00:00Z"

string

required

Loan application identifier (UUID).

Example:

"3fa85f64-5717-4562-b3fc-2c963f66afa6"

loanProductVersionId

string

required

Loan product version this application was created against (UUID).

Example:

"550e8400-e29b-41d4-a716-446655440000"

previewJurisdictionCode

string

required

ISO-2 jurisdiction code resolved at preview time.

Example:

"BR"

previewProfileVersion

string

required

Jurisdiction profile version resolved at preview time.

Example:

"1.0.0"

requestedInstallments

integer<int64>

required

Number of installments requested.

Example:

24

requestedInterestRate

string

required

Requested monthly interest rate as a decimal string, scale 8 (e.g. "0.00000100").

Example:

"0.00000100"

requestedPrincipalAmount

string

required

Requested principal amount as a decimal string, minor-unit precision scale 2 (e.g. "50000.00").

Example:

"50000.00"

status

string

required

Lifecycle status: one of pending_approval, approved, rejected, withdrawn, disbursed.

Example:

"pending_approval"

approvalDecision

object

Approval facts; present only when the application is approved or disbursed.

Show child attributes

borrowerKind

string

Whose credit this is, as declared at creation. ABSENT on an application created before the declaration existed: such an application cannot be taxed or described, and the paths that need the kind refuse it with LENDER-0230 rather than assuming one.

Example:

"pessoaFisica"

disbursementEvent

object

Disbursement facts; present only when the application is disbursed.

Show child attributes

previewScheduleSnapshotId

string

Schedule offer this application cites (UUID). ABSENT when it cites none, which is allowed: simulating first is optional.

Example:

"6ba7b810-9dad-11d1-80b4-00c04fd430c8"

rejectionDecision

object

Rejection facts; present only when the application is rejected.

Show child attributes

withdrawalDecision

object

Withdrawal facts; present only when the application is withdrawn.

Show child attributes

Brazil loan products

Consignado operations

Loan product lifecycle

Product versions

Product configuration

Floating-rate tables

Document templates

Loan Applications

Credit instruments

Regulatory disclosures and risk

Payoff and prepayment

Account overview and audit

Charges and schedule

Repayments

Transactions

Returned payment receivables

Assignment funds

Assignment sets

Assignment exceptions and registry

Accounting

Portfolio dashboards

Jurisdictions

Tax

Session

Streaming

Error handling

Events

Create loan application

Authorizations

Headers

Body

Response