---
title: "Get BNPL Loan"
method: GET
path: "/bnpl/loan/{loanId}"
tags: ["invoice > bnpl"]
---

# Get BNPL Loan

`GET /bnpl/loan/{loanId}`

## Request

- Base URL: `https://api.mercoa.com`
- URL: `https://api.mercoa.com/bnpl/loan/{loanId}`
- Auth: HTTP bearer

Get information about a specific BNPL loan by loan ID

## Path parameters

- `loanId` string, required

## Response `200`

Response with status 200

- InvoiceTypesBnplLoanResponse
  - `loanId` string, required: The unique identifier for the loan
  - `businessExternalId` string, required: The external ID of the business entity
  - `dueDate` integer, required: The final due date as timestamp in milliseconds
  - `originalPrincipalBalance` integer, required: The original principal balance in cents
  - `drawDate` integer, required: The date the loan was drawn as timestamp in milliseconds
  - `repaidAmount` integer, required: The total amount repaid in cents
  - `paymentMethodId` string, required: The ID of the payment method used
  - `repaymentMethodId` string, required: The ID of the repayment method
  - `status` 'PENDING' | 'ACTIVE' | 'PAID_OFF' | 'DELINQUENT', required
  - `outstandingBalance` InvoiceTypesBnplOutstandingBalance, required
    - `principalBalance` integer, required: Outstanding principal balance in cents
    - `feeBalance` integer, required: Outstanding fee balance in cents
    - `totalBalance` integer, required: Total outstanding balance in cents
    - `lateFeeBalance` integer, required: Outstanding late fee balance in cents
  - `termsAgreementFile` string: URL to the terms agreement file
  - `invoiceUrl` string: URL to the invoice PDF
  - `invoiceAmount` integer, required: The original invoice amount in cents
  - `invoiceExternalId` string, required: The external ID of the associated invoice
  - `invoiceDueDate` integer, required: The original invoice due date as timestamp in milliseconds
  - `downPaymentAmount` integer, required: The down payment amount in cents
  - `installments` InvoiceTypesBnplLoanInstallment[], required: List of all installments for this loan
    - `number` integer, required: Installment number (0 for down payment)
    - `startDate` integer, required: Start date as timestamp in milliseconds
    - `dueDate` integer, required: Due date as timestamp in milliseconds
    - `maturityDate` integer, required: Maturity date as timestamp in milliseconds
    - `outstandingBalance` integer, required: Outstanding balance for this installment in cents
    - `amount` integer, required: Total amount for this installment in cents
    - `status` 'PENDING' | 'ACTIVE' | 'PAID_OFF' | 'DELINQUENT', required
    - `type` 'DOWN_PAYMENT' | 'REGULAR', required
    - `totalPaid` InvoiceTypesBnplInstallmentTotalPaid, required
      - `principalBalance` integer, required: Total principal paid in cents
      - `dueInterest` integer, required: Total interest paid in cents
      - `totalLateFees` integer, required: Total late fees paid in cents
      - `feeAmount` integer, required: Total fees paid in cents
  - `cadence` 'WEEKLY' | 'BIWEEKLY' | 'MONTHLY', required
  - `baseFeeRate` number, double, required: The base fee rate as a percentage

## Other responses

- `400`: Error response with status 400
- `401`: Error response with status 401
- `403`: Error response with status 403
- `404`: Error response with status 404
- `409`: Error response with status 409
- `500`: Error response with status 500
- `501`: Error response with status 501

---

[API](https://skmtc.dev/mercoa/apis/mercoa-2.md) - [All operations](https://skmtc.dev/mercoa/apis/mercoa-2/llms.txt) - [OpenAPI document](https://skmtc.dev/mercoa/apis/mercoa-2/revisions/00a8e403ae18?raw)