Customer categories under CrediLinq APIs offer a range of customer categories, each tailored to provide specific information relevant to assessing a customer's creditworthiness. These categories include a credit line summary, active loan details, and registered payment methods. By leveraging these APIs, customers can effectively retrieve and integrate critical financial information into their systems, enabling them to make informed business decisions. The information provided by these APIs is essential in evaluating a customer's financial standing. It can assist businesses in mitigating risk, optimizing lending operations, and improving overall financial performance.
Endpoints
| Endpoint | Type | Description |
|---|---|---|
| Get Creditline Summary | **GET** | This API is intended to facilitate the retrieval of credit line summaries for customers. By specifying a valid customer reference ID, this API generates a response containing critical information related to the credit line, such as the approved credit limit, available credit, credit utilized, total outstanding amount, and total charges accrued by the customer. This information is essential in assessing a customer's creditworthiness and ability to fulfill their financial obligations. By leveraging this API, businesses can effectively monitor and manage their credit lines, enabling them to make informed decisions regarding their operations and investments. |
| Get Active Loans | **GET** | This API is designed to facilitate the acquisition of detailed information about all active loans associated with a specific customer. Upon submitting a valid customer request, this API produces a comprehensive response containing crucial details related to the loan, such as the loan amount, applied charges, total due amount, charges as a percentage of the total loan amount, loan term, and loan creation date. Furthermore, the API also furnishes relevant information related to any payments made toward the loan, if applicable. |
| Get Customer's Payment Methods | **GET** | This endpoint retrieves all available payment methods available at the customer's end. |