Cowdidocs
API ReferenceRefinancing

List the refinance offers of a revolving credit facility

GET
/v1/accounts/credit/{accountId}/refinance/offers

Returns the refinance offers of the caller's revolving credit facility after a reviewer approved them, the newest first. Returns 404 RESOURCE_NOT_FOUND for a facility of another user.

Authorization

oauth2
AuthorizationBearer <token>

Create a client with POST /v1/oauth/clients, then exchange its credentials for an access token. AUTHORIZATION_CODE clients act on behalf of a signed-in user and always use PKCE; CLIENT_CREDENTIALS clients act as themselves. A client may only be granted scopes its creator already holds — read the grantable list from GET /v1/oauth/clients/scopes.

In: header

Path Parameters

accountId*string

Unique identifier for an account

Formatuuid

Query Parameters

size?string

The number of refinance offers in one page.

after?string

The cursor for the next page.

before?string

The cursor for the previous page.

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X GET "https://example.com/v1/accounts/credit/550e8400-e29b-41d4-a716-446655440000/refinance/offers"
{  "data": [    {      "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",      "status": "QUOTED",      "account_id": "550e8400-e29b-41d4-a716-446655440000",      "replacement_account_id": "550e8400-e29b-41d4-a716-446655440000",      "replacement_cycle_id": "550e8400-e29b-41d4-a716-446655440000",      "payoff": {        "value": 100000,        "currency": "KES"      },      "financed_principal": {        "value": 100000,        "currency": "KES"      },      "terms": {        "interest_rate": {          "basis_points": 300,          "period_value": 1,          "period_unit": "DAYS"        },        "tenure": {          "duration": 30,          "unit": "DAYS"        },        "interest": {          "value": 100000,          "currency": "KES"        },        "installment_count": 0,        "first_due_date": "2026-10-31",        "first_installment_amount": {          "value": 100000,          "currency": "KES"        },        "total_repayable": {          "value": 100000,          "currency": "KES"        }      },      "start_date": "2019-08-24",      "expires_at": "2019-08-24T14:15:22Z",      "completed_at": "2026-09-01T10:15:30Z",      "extra_cash": {        "value": 100000,        "currency": "KES"      },      "destination": {        "type": "string",        "paybill_number": 400200,        "account_number": "string"      },      "payout": {        "status": "PENDING",        "completed_at": "2026-09-01T10:15:30Z"      },      "resource_id": "string"    }  ],  "links": {    "next": "/v1/payees?after=eyJpZCI6MX0",    "prev": "/v1/payees?before=eyJpZCI6MX0"  }}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "FORBIDDEN",  "description": "Forbidden"}
{  "code": "RATE_LIMIT_EXCEEDED",  "description": "Too Many Requests"}
{  "code": "INTERNAL_ERROR",  "description": "Internal Server Error"}

List the organization's loan products GET

Returns the loan products the organization offers, default product first, with the name and description to show the customer and the standard contract terms. The customer chooses one by passing its `loan_product` when they create an application. Requires the `org:lending.loan_applications:read` permission for an organization client; a user token can always call this. The response lists only the products the organization offers to the user. A user token is that user. An organization client names the user with `user_id`. Without `user_id`, the response lists only the products offered to every customer.

Get a refinance offer GET

Returns a refinance offer of the caller after a reviewer approved it. Returns 404 `REFINANCING_NOT_FOUND` for an offer of another user, an offer for another facility, or an offer that no reviewer approved.