Action
Using the heavy access token from your previous call, you may proceed to make the call to get loans offers.
| Method | GET |
| Endpoint | https://api.nedbank.co.za/apimarket/sandbox/open-banking/v1/personal-loan-offers?loanAmount=<LOAN AMOUNT> |
5 Get Personal Loan offers
Request
| Header | Value | Description |
|---|---|---|
| x-fapi-financial-id | OB/2017/001 | Financial ID. |
| Authorization | Bearer <ACCESS_TOKEN> | Replace with the heavy/submission access token you received from the previous call. |
| x-ibm-client-id | <YOUR CLIENT ID> | The client ID you received when creating the app on the portal. |
| x-ibm-client-secret | <YOUR CLIENT SECRET> | The client secret you received when creating the app on the portal. |
| Param | Value | Description |
|---|---|---|
| loanAmount | <loanAmount> | Loan amount that user is interested in applying for. This is the same as the loan amount you created the intent with. |
Response JSON
{
"PersonalLoanOffers": {
"PLOfferId": 608051,
"Terms": [
{
"MaxAmount": {
"Amount": 6500,
"Currency": "ZAR"
},
"MinAmount": {
"Amount": 2000,
"Currency": "ZAR"
},
"Term": 12,
"InterestRate": {
"Rate": 10,
"Label": "Fixed interest rate",
"Description": null
},
"Preferred": true
}
],
"LoanDetails": {
"InitiationFee": {
"Amount": {
"Amount": 649.75,
"Currency": "ZAR"
},
"Label": "Initiation fee",
"Description": null
},
"CostMultiplier": {
"Rate": 1.42,
"Label": "Credit cost multiple",
"Description": "The ratio of the total cost of credit (total amount, including costs and interest, that you’ll pay back) to the loan amount. This shows you the cost of each rand you borrow.",
"Help": null
},
"TotalLoanAmount": {
"Amount": {
"Amount": 5649.75,
"Currency": "ZAR"
},
"Label": "Total loan amount",
"Description": "Total loan amount plus the once-off initiation fee."
},
"LoanAmount": {
"Amount": {
"Amount": 5000,
"Currency": "ZAR"
},
"Label": "Amount we'll pay into your account",
"Description": null
},
"NumberOfInstallments": {
"Amount": 12,
"Label": "Number of instalments"
},
"FixedInterestRate": {
"Amount": 10,
"Label": "Fixed interest rate"
}
},
"RepaymentDetails": {
"CreditLife": {
"Amount": {
"Amount": 14.12,
"Currency": "ZAR"
},
"Label": "Credit life insurance",
"Description": null
},
"ServiceFee": {
"Amount": {
"Amount": 69,
"Currency": "ZAR"
},
"Label": "Monthly service fee",
"Description": null
},
"BaseRepaymentAmount": {
"Amount": {
"Amount": 506.91,
"Currency": "ZAR"
},
"Label": "Base repayment",
"Description": null
},
"TotalMonthlyRepayment": {
"Amount": {
"Amount": 590.03,
"Currency": "ZAR"
},
"Label": "Total Monthly Repayment",
"Description": null
},
"TotalAmountRepayable": {
"Amount": {
"Amount": 7080.36,
"Currency": "ZAR"
},
"Label": "Total you'll pay back",
"Description": "Total monthly instalments, including interest, credit insurance and a service fee."
}
}
},
"CreditInsuranceLink": "https://ww3.nedbank.co.za/content/dam/nedbank/site-assets/Personal/Personal_Loans/Insurance/InsuranceBrochure.pdf",
"ExclusionLink": "https://ww3.nedbank.co.za/content/dam/nedbank/site-assets/Personal/Personal_Loans/Insurance/Policydocument.pdf",
"InsuranceAccepted": false,
"IsNedbankStaff": false,
"Links": {
"self": "http://localhost:3000/api/open-banking/v1/personal-loan-offers"
},
"Meta": {
"total-pages": 1
}
}