Using the heavy access token, you may proceed to make the call to get loan offer by offer ID based on default term and amount.
| Method | GET |
| Endpoint | https://api.nedbank.co.za/apimarket/sandbox/open-banking/v1/personal-loan-offers/<offerId>?loanAmount=<LOAN AMOUNT>&loanTerm=<LOAN TERM> |
| 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. |
| loanTerm | <loanTerm> | desired loan term (used for recalculation). |
{
"PersonalLoanOffers": {
"PLOfferId": "608051",
"Terms": [
{
"MaxAmount": {
"Amount": 3300,
"Currency": "ZAR"
},
"MinAmount": {
"Amount": 2000,
"Currency": "ZAR"
},
"Term": 6,
"InterestRate": {
"Rate": 10,
"Label": "Fixed interest rate"
},
"Preferred": true
},
{
"MaxAmount": {
"Amount": 6500,
"Currency": "ZAR"
},
"MinAmount": {
"Amount": 2000,
"Currency": "ZAR"
},
"Term": 12,
"InterestRate": {
"Rate": 10,
"Label": "Fixed interest rate"
},
"Preferred": false
}
],
"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."
},
"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,
"Disclaimers": {
"DataLabels": [
"To get a decision in a few minutes, please confirm that:"
],
"Disclaimers": [
{
"Disclaimerid": 4,
"DisclaimerLabel": "you're permanently employed;",
"Accepted": false
},
{
"Disclaimerid": 5,
"DisclaimerLabel": "neither you nor your spouse is insolvent, under administration, curatorship or undergoing debt counselling and that neither you nor your spouse has any pending disputes with a credit bureau;",
"Accepted": false
},
{
"Disclaimerid": 77,
"DisclaimerLabel": "you consent to us processing your personal information so that we can provide banking services to you.",
"Accepted": false
}
]
},
"Disclosures": {
"DisclosureDetails": [
{
"DisclosureDetailId": 6,
"Label": "Debit order mandate",
"Description": "Your instalment is due from the 1st of next month and you consent to our debiting your Nedbank salary account on the day your salary is paid.",
"Options": [],
"Selected": null
},
{
"DisclosureDetailId": 7,
"Label": "Credit and fraud check mandate",
"Description": "By accepting this offer, you agree that Nedbank may do credit and fraud checks when necessary.",
"Options": [],
"Selected": null
},
{
"DisclosureDetailId": 8,
"Label": "Honesty",
"Description": "You confirm that the information you've provided is correct.",
"Options": [],
"Selected": null
},
{
"DisclosureDetailId": 9,
"Label": "Spousal consent",
"Description": "If you're married in community of property or if you were married outside of South Africa, your spouse must agree in writing to your taking up this loan.",
"Options": [
{
"OptionsId": 10,
"Label": "I confirm that my spouse has agreed to the above."
},
{
"OptionsId": 11,
"Label": "This doesn't apply to me."
}
],
"Selected": null
}
],
"Purpose": {
"Options": [
{
"OptionsId": 1,
"Label": "Death/Funeral costs"
},
{
"OptionsId": 2,
"Label": "Debt consolidation"
},
{
"OptionsId": 3,
"Label": "Education cost"
},
{
"OptionsId": 4,
"Label": "Furniture"
},
{
"OptionsId": 5,
"Label": "Housing related (Improvements, deposit, etc)"
},
{
"OptionsId": 6,
"Label": "Income loss"
},
{
"OptionsId": 7,
"Label": "Loss (theft/fire)"
},
{
"OptionsId": 8,
"Label": "Medical or illness"
},
{
"OptionsId": 9,
"Label": "Services"
},
{
"OptionsId": 10,
"Label": "Funding of small business"
},
{
"OptionsId": 11,
"Label": "Other"
}
],
"Selected": null
},
"Email": "ZIBUSISO@GMAIL.COM",
"Accepted": false
},
"TermsAndConditions": {
"Label": "View and accept your policy terms and conditions.",
"Url": "https://ww3.nedbank.co.za/content/dam/nedbank/site-assets/Personal/Personal_Loans/TsandC/Personal_Loans_T&C.pdf",
"Accepted": false
}
},
"Links": {
"self": "http://localhost:3000/api/open-banking/v1/personal-loan-offers/608051"
},
"Meta": {
"total-pages": 1
}
}
NB Ensure that you save this response to make the final call.