Loans

Use the Loans API to let users create loan applications and to retrieve loan details. Submit personal and financial details to create a loan request; you'll receive webhooks when the loan is approved and when it is disbursed.

All requests use Bearer Token authentication with your secret key. Base URL: https://api.aellaapp.com.

POST/loans/create

Create Loan Request

This endpoint allows users to create a loan by submitting their personal and financial details. Upon successful creation, you will receive webhooks for notifications when the loan is approved and when the loan is disbursed.

Request Body

Name
first_name
Type
string
Description
The first name of the applicant.
Name
last_name
Type
string
Description
The last name of the applicant.
Name
phone
Type
string
Description
The phone number of the applicant, including country code.
Name
nin
Type
string
Description
The National Identification Number of the applicant.
Name
bvn
Type
string
Description
The Bank Verification Number of the applicant.
Name
amount
Type
string
Description
The amount of loan requested.
Name
tenure_type
Type
string
Description
The type of tenure for the loan (e.g. weekly, monthly).
Name
email
Type
string
Description
The email address of the applicant.
Name
tenure
Type
string
Description
The duration of the loan in the specified tenure type.
Name
bank_code
Type
string
Description
The code of the bank where the loan will be processed. Get codes from the Get Banks endpoint.
Name
account_number
Type
string
Description
The account number of the applicant.
Name
longitude
Type
string
Description
The geographical longitude of the applicant's location.
Name
latitude
Type
string
Description
The geographical latitude of the applicant's location.

Ensure that all required fields are filled out correctly to avoid errors in loan creation.

Request

POST

/loans/create

curl https://api.aellaapp.com/loans/create \
  -H "Authorization: Bearer {token}" \
  -H "Content-Type: application/json" \
  -d '{
    "first_name": "John",
    "last_name": "Doe",
    "phone": "+2348012345678",
    "nin": "12345678901",
    "bvn": "98765432109",
    "amount": "50000",
    "tenure_type": "monthly",
    "email": "john.doe@example.com",
    "tenure": "6",
    "bank_code": "058",
    "account_number": "1234567890",
    "longitude": "3.3792",
    "latitude": "6.5244"
  }'

Response (201 Created)

{
  "status": "success",
  "title": "Loan request created successfully!",
  "message": "Loan Request Created Successfully",
  "data": {
    "merchant_id": "941d21d4-f15a-4ede-82a3-90642c73017d",
    "daas_user_id": "9b66ee94-3285-43a2-80ca-eca0c3e0c713",
    "amount": 50000,
    "tenure": "6",
    "tenure_type": "monthly",
    "bank_code": "058",
    "account_number": "1234567890",
    "reference": "115b074d-d3d9-4938-8b43-2cf747e48e6c",
    "status": "pending",
    "id": "ccd4d677-b15c-43a8-8575-10550150bb8c",
    "created_at": null,
    "updated_at": null
  }
}

GET/loans/:id

Fetch Loan

This endpoint retrieves detailed information about a specific loan request based on the provided loan ID.

Path Parameters

Name
id
Type
string
Description
The unique identifier of the loan request you wish to retrieve.

Response

The response includes status, title, message, and data. The data object contains:

loan_request: Loan request info (id, merchant_id, daas_user_id, amount, tenure, tenure_type, bank_code, account_number, reference, status, environment, created_at, updated_at) and daas_user (applicant details).
loan_details: Full loan details including approval/disbursement info, repayment schedules, interest, next_due_date, loan_type_detail, and user info.

Request

GET

/loans/{id}

curl https://api.aellaapp.com/loans/fb7bf275-eac1-4d60-bb94-98f515f9f57a \
  -H "Authorization: Bearer {token}"

Response (200 OK)

{
  "status": "success",
  "title": "Loan request created successfully!",
  "message": "Loan details fetched successfully!",
  "data": {
    "loan_request": {
      "id": "fb7bf275-eac1-4d60-bb94-98f515f9f57a",
      "merchant_id": "941d21d4-f15a-4ede-82a3-90642c73017d",
      "daas_user_id": "59f852e2-1b71-416c-baa8-240d0990fdce",
      "amount": "7000.00",
      "tenure": 1,
      "tenure_type": "weekly",
      "bank_code": "000004",
      "bank_name": null,
      "account_number": "2156859903",
      "account_name": null,
      "reference": "1d64d578-0c03-4fa0-b61d-6b6945c7f2f6",
      "status": "approved",
      "environment": "SANDBOX",
      "created_at": "2025-09-15T13:05:22.000Z",
      "updated_at": "2025-09-15T12:06:11.000Z",
      "daas_user": {
        "id": "59f852e2-1b71-416c-baa8-240d0990fdce",
        "first_name": "Camron",
        "last_name": "Keeling",
        "phone": "+2348012345678",
        "email": "Jacinto41@yahoo.com",
        "nin": "12345600911",
        "bvn": "98765411159",
        "created_at": "2025-08-18T12:38:12.000Z",
        "updated_at": "2025-09-15T13:05:20.000Z"
      }
    },
    "loan_details": {
      "id": "1d64d578-0c03-4fa0-b61d-6b6945c7f2f6",
      "user_id": "59f852e2-1b71-416c-baa8-240d0990fdce",
      "merchant_id": "941d21d4-f15a-4ede-82a3-90642c73017d",
      "amount": 7000,
      "tenor": 1,
      "tenor_type": "FLEXIBLE",
      "status": 2,
      "status_text": "approved",
      "balance": 7210,
      "next_repayment_amount": 7210,
      "to_repay": 7210,
      "to_repay_when": "Every  week",
      "total_interest": 210,
      "interest_rate": 3,
      "repayment_mode": "WEEKLY",
      "total_repayment": 7210,
      "next_due_date": "2025-09-22T13:05:23.000Z",
      "approved_date": "2025-09-15T13:06:00.000Z",
      "start_date": "2025-09-15T13:05:23.000Z",
      "end_date": "2025-09-22T13:05:23.000Z",
      "loan_type_detail": { "id": "...", "name": "DEBT AS A SERVICE", "description": "For merchants" },
      "user": { "id": "...", "first_name": "Camron", "last_name": "Keeling", "email": "...", "account_number": "2156859903", "bvn": "98765411159", "phone_number": "+2348012345678" },
      "repayment_schedules": [],
      "schedules": []
    }
  }
}

GET/loans

Fetch Loans

This endpoint retrieves a paginated list of loans for your merchant.

Query Parameters

Name
page
Type
integer
Description
The page number of the results to retrieve (e.g. page=1 for the first page).

Response

The response includes status, title, message, data (array of loan objects), and meta with pagination info: current_page, next_page, prev_page, per_page. Each loan in data includes id, merchant_id, daas_user_id, amount, tenure, tenure_type, bank_code, account_number, reference, status, environment, created_at, updated_at, and daas_user (applicant details).

Request

GET

/loans

curl "https://api.aellaapp.com/loans?page=1" \
  -H "Authorization: Bearer {token}"

Response (200 OK)

{
  "status": "success",
  "title": "Loan requests fetched successfully!",
  "message": "Loan requests fetched successfully!",
  "data": [
    {
      "id": "fb7bf275-eac1-4d60-bb94-98f515f9f57a",
      "merchant_id": "941d21d4-f15a-4ede-82a3-90642c73017d",
      "daas_user_id": "59f852e2-1b71-416c-baa8-240d0990fdce",
      "amount": "7000.00",
      "tenure": 1,
      "tenure_type": "weekly",
      "bank_code": "000004",
      "bank_name": null,
      "account_number": "2156859903",
      "account_name": null,
      "reference": "1d64d578-0c03-4fa0-b61d-6b6945c7f2f6",
      "status": "approved",
      "environment": "SANDBOX",
      "created_at": "2025-09-15T13:05:22.000Z",
      "updated_at": "2025-09-15T12:06:11.000Z",
      "daas_user": {
        "id": "59f852e2-1b71-416c-baa8-240d0990fdce",
        "first_name": "Camron",
        "last_name": "Keeling",
        "phone": "+2348012345678",
        "email": "Jacinto41@yahoo.com",
        "nin": "12345600911",
        "bvn": "98765411159",
        "created_at": "2025-08-18T12:38:12.000Z",
        "updated_at": "2025-09-15T13:05:20.000Z"
      }
    }
  ],
  "meta": {
    "current_page": 1,
    "next_page": null,
    "prev_page": null,
    "per_page": "..."
  }
}