---
title: "Register loan applications and decisions"
method: POST
path: "/cra/loans/applications/register"
tags: ["plaid"]
---

# Register loan applications and decisions

`POST /cra/loans/applications/register`

`/cra/loans/applications/register` registers loan applications and decisions.

## Request body

- CraLoansApplicationsRegisterRequest — CraLoansApplicationsRegisterRequest defines the request schema for `/cra/loans/applications/register`.
  - `client_id` string — Your Plaid API `client_id`. The `client_id` is required and may be provided either in the `PLAID-CLIENT-ID` header or as part of a request body.
  - `secret` string — Your Plaid API `secret`. The `secret` is required and may be provided either in the `PLAID-SECRET` header or as part of a request body.
  - `applications` CraLoanApplication[], required — A list of loan applications to register.
    - `user_token` string, required — The user token for the user associated with the loan.
    - `application_id` string, required — A unique identifier for the loan application. Personally identifiable information, such as an email address or phone number, should not be used in the `application_id`.
    - `type` 'PERSONAL' | 'CREDIT_CARD' | 'BUSINESS' | 'MORTGAGE' | 'AUTO' | 'PAYDAY' | 'STUDENT' | 'HOME_EQUITY' | 'OTHER', required — The type of loan the user applied for.
    - `decision` 'APPROVED' | 'DECLINED' | 'OTHER', required — The decision of the loan application.
    - `application_date` string, date — The date the user applied for the loan. The date should be in ISO 8601 format (YYYY-MM-DD).
    - `decision_date` string, date — The date when the loan application's decision was made. The date should be in ISO 8601 format (YYYY-MM-DD).

## Response `200`

OK

- CraLoansApplicationsRegisterResponse — CraLoansApplicationsRegisterResponse defines the response schema for `/cra/loans/applications/register`.
  - `request_id` string, required — A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.

## Other responses

- `default` — Error response

## Changes

- **2026-07-22** `a1bbca018160` — 13 warning
  - added the new `ASSETS_ERROR` enum value to the `error_type` response property for the response status `default`
  - added the new `CRA_MONITORING_ERROR` enum value to the `error_type` response property for the response status `default`
  - added the new `CREDIT_PROFILE_REPORT_ERROR` enum value to the `error_type` response property for the response status `default`
  - added the new `ENCOMPASS_ERROR` enum value to the `error_type` response property for the response status `default`
  - …9 more
- **2026-06-25** `80d23bfdc2e5` — 1 warning
  - added the new `IDEMPOTENCY_ERROR` enum value to the `error_type` response property for the response status `default`
- **2026-06-10** `fb8c3f188d8b` — 1 warning
  - added the new `BASE_REPORT_ERROR` enum value to the `error_type` response property for the response status `default`
- **2025-12-11** `465584b48c99` — 2 info
  - added the optional property `provided_account_subtypes` to the response with the `default` status
  - added the optional property `required_account_subtypes` to the response with the `default` status
- **2025-11-19** `4abee1c56929` — 1 info
  - removed the `IDENTITY_ERROR` enum value from the `error_type` response property for the response status `default`

[Full history](https://skmtc.dev/plaid/apis/the-plaid-api/changes/cra/loans/applications/register/post.md)

---

[API](https://skmtc.dev/plaid/apis/the-plaid-api.md) · [All operations](https://skmtc.dev/plaid/apis/the-plaid-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/plaid/the-plaid-api/revisions/141de8aaaad2/schema)