List account loans
Retrieve all loans associated with the specified account.
Note: This endpoint requires an account-specific access token.
Request
- Base URLhttps://sandbox.pismolabs.io/lending
- URLhttps://sandbox.pismolabs.io/lending/v2/accounts/{accountId}/loans
- AuthHTTP bearer
Path parameters
ID of the account the loan belongs to
Query parameters
Opaque pagination cursor returned by the API. Pass back exactly as received to retrieve the next page; do not parse or modify it.
Next page cursor identifier
Maximum returned list size. Default = 10.
Maximum number of items to return per page
Loan status
PENDING-The loan has been created but has not yet been booked. Terms may still be under review or awaiting confirmation.
BOOKED-The loan has been approved and booked. The payment schedule is confirmed and the loan is ready for disbursement.
ACTIVE-The loan is active and in progress. Funds have been disbursed and the borrower is expected to make repayments according to the agreed schedule.
CANCELED-A repayment is no longer expected to be paid.
SETTLED-The loan has been fully repaid and is closed. No further repayments are expected.
RENEGOTIATED-The original loan terms have been modified after booking, typically due to a change in repayment conditions or borrower circumstances.
Loan status filter
Also retrieve disbursements and repayments?
Boolean value
Retrieve the present value of the loan?
Date value. Format = YYYY-MM-DD.
Reference date to calculate the present value of the loan
Date value. Format = YYYY-MM-DD.
Filter loans created on or after this date (inclusive). Format = YYYY-MM-DD. Invalid format returns 400 Bad Request. Can be used alone to get all loans created from this date onwards, or combined with toCreatedDate to filter within a specific date range.
Date value. Format = YYYY-MM-DD.
Filter loans created on or before this date (inclusive). Format = YYYY-MM-DD. Invalid format returns 400 Bad Request. Can be used alone to get all loans created up to this date, or combined with fromCreatedDate to filter within a specific date range.
Date value. Format = YYYY-MM-DD.
Filter loans with start/activation date on or after this date (inclusive). Format = YYYY-MM-DD. Invalid format returns 400 Bad Request. Can be used alone to get all loans with start date from this date onwards, or combined with toStartDate to filter within a specific date range.
Date value. Format = YYYY-MM-DD.
Filter loans with start/activation date on or before this date (inclusive). Format = YYYY-MM-DD. Invalid format returns 400 Bad Request. Can be used alone to get all loans with start date up to this date, or combined with fromStartDate to filter within a specific date range.
When true, returns an aggregated summary across all loans that match the provided filter parameters (pagination is ignored). The response contains only the loan_summary field. When absent or false, returns a standard paginated response (has_next, next_cursor, items).
Indicate true to get a response with the insurance history for loans in any state (ACTIVE, CANCELED, or SETTLED). When you use true for the query, each insured installment in repayment_schedule includes an insurance_premium_state field, and the response includes loan-level insurance_summary for loans that have an insurance policy. (The field is omitted entirely for uninsured loans). Also the response includes cancelled insurance and its installments. When absent or false, the response does not include these insurance-related fields. An invalid boolean value returns 400 with error code ELND1807. On the list endpoint, summarizeLoans=true takes precedence and this flag is ignored when summarizeLoans=true.
Response
Loans retrieved
Example response
{
"has_next": true,
"items": [
{
"account_id": 514751581,
"created_at": "2026-09-03T17:58:35.520Z",
"loan_amount": 2000,
"loan_id": "MY_CUSTOM_LOAN_ID",
"product_id": "2717a296-124a-47cc-b2a1-91e80dc723eb",
"start_date": "2022-06-28",
"status": "ACTIVE",
"total_payable": {
"amount_due": {
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"arrears": {
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"total_paid": {
"amount_paid": {
"principal": 2000,
"interest": 20,
"fee": 10,
"tax": 10,
"charge": 5,
"penalty": 27,
"total": 2072
}
},
"updated_at": "2024-03-15T13:00:00.000+00:00",
"authorization_tracking_id": "4df987e3-8179-11ed-8209-06c7b022d1ee",
"contracted_installment_count": 6,
"days_past_due": 12,
"disbursement": {
"can_disburse_more": true,
"remaining_to_disburse_amount": 700,
"schedule": [
{
"amount": 300,
"authorization_id": 2422410859,
"date": "2025-11-13",
"disbursement_account": {
"account_id": 317890964,
"account_type": "INTERNAL"
},
"id": "54efa995-66f1-4595-9934-5b92222faf37",
"status": "PAID",
"tracking_id": "003b3de8-c321-464c-a3dd-6009b8698325",
"transactions_ids": [
6354273849,
982393773
]
}
],
"total_disbursed_amount": 300,
"type": "SINGLE"
},
"external_id": "my_external_id",
"grace_period_days": 7,
"initial_amounts": {
"principal": 2000,
"interest": 20,
"charge": 5,
"tax": 10,
"fee": 10,
"penalty": 27,
"total": 2072
},
"insurance_summary": {
"installment_counts": {
"canceled": 3,
"paid": 3
},
"insurance_ever_active": true,
"last_covered_date": "2023-12-31"
},
"loan_principal_amount": 1800,
"original_loan_id": "2717a296-124a-47cc-b2a1-91e80dc723eb",
"prepayments": [
{
"amount_paid": 1000,
"created_at": "2026-06-15T10:00:00.000Z",
"new_remaining_total": 4000,
"penalty_amount_paid": 50,
"prepayment_id": "73e45fd5-759f-4e04-a88a-7172fa948afa",
"reduce_option": "INSTALLMENT",
"settlement_date": "2026-06-15T10:00:00.000Z",
"status": "REGISTERED",
"updated_at": "2026-06-15T10:00:00.000Z"
}
],
"rates": {
"annual_interest_rate": 12,
"effective_annual_cost": 319.98,
"effective_monthly_cost": 12.7,
"interest_rate": 12
},
"repayment_schedule": [
{
"repayment_id": "5c075cc6-8dc2-4fe6-9ed7-cf5687d4e834",
"transactions_ids": [
6354273849,
982393773
],
"status": "SCHEDULED",
"period": 1,
"due_date": "2022-06-28",
"real_due_date": "2025-06-28",
"present_value_amount": 100,
"present_value_discount": 100,
"amount_due": {
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"amount_paid": {
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"initial_amount": {
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"insurance": {
"charge": 5,
"fee": 10,
"interest": 20,
"penalty": 27,
"principal": 2000,
"tax": 10,
"total": 2072
},
"insurance_premium_state": "PAID"
}
],
"restructure_loan_id": "2717a296-124a-47cc-b2a1-91e80dc723eb",
"restructured_initial_amounts": {
"principal": 2000,
"interest": 20,
"charge": 5,
"tax": 10,
"fee": 10,
"penalty": 27,
"total": 2072
},
"total_expected_payment_amount": 1100,
"transactions_ids": [
6354273849,
982393773
]
}
],
"next_cursor": "NmI5NmNlYzUtZTg1Ni00MjY0LTlkNzctNGY5OGIzNTk4YWM1IzE3NDU5NDY2MTg3NTIjMjAyNS0wNC0yOVQxNzoxMDoxOC43MjY3MTY0Mlo"
}Changes
No recorded changes to this operation across all 1 revision of this API.