Loans

List loans

get/v2/loans

Request

Base URL
https://sandbox.pismolabs.io/lending
URL
https://sandbox.pismolabs.io/lending/v2/loans
Auth
HTTP bearer

Query parameters

nextCursorstring required

Opaque pagination cursor returned by the API. Pass back exactly as received to retrieve the next page; do not parse or modify it.

Example:NmI5NmNlYzUtZTg1Ni00MjY0LTlkNzctNGY5OGIzNTk4YWM1IzE3NDU5NDY2MTg3NTIjMjAyNS0wNC0yOVQxNzoxMDoxOC43MjY3MTY0Mlo

Next page cursor identifier

limitinteger

Maximum returned list size. Default = 10.

Example: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.

Example:ACTIVE

Loan status filter

loanProductIdstring

Loan product ID. Accepts either a lowercase UUID (e.g., "2717a296-124a-47cc-b2a1-91e80dc723eb") or an uppercase alphanumeric string with underscores (e.g., "MY_LOAN_PRODUCT_001"). If not provided during creation, a UUID is auto-generated.

Example:2717a296-124a-47cc-b2a1-91e80dc723eb

Loan product ID filter

accountIdstring

Restricts results to loans belonging to this Pismo account

expandboolean

Boolean value

Example:true

Include information about scheduled repayments in the response?

authorizationIdnumber

Authorization ID

Example:123456789

ID of the authorization that originated the loan

Response

Loan retrieved.

has_nextboolean

Does the query have additional items to return?

next_cursorstring

Opaque pagination cursor returned by the API. Pass back exactly as received to retrieve the next page; do not parse or modify it.

Example response

{
  "has_next": true,
  "next_cursor": "NmI5NmNlYzUtZTg1Ni00MjY0LTlkNzctNGY5OGIzNTk4YWM1IzE3NDU5NDY2MTg3NTIjMjAyNS0wNC0yOVQxNzoxMDoxOC43MjY3MTY0Mlo",
  "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
      ]
    }
  ]
}

Changes

No recorded changes to this operation across all 1 revision of this API.