Get Credit Application by ID

📘
Early Access
Credit API endpoints are currently being finalised as part of ongoing product development. While we do not anticipate significant changes, some interfaces, behaviours, and documentation may be refined before general availability.

The Get Credit Application by ID endpoint retrieves the full details of a specific credit application, identified by its unique application ID.

An example of how you could use this functionality is to build a page in your user interface that displays the details of a specific application to a user — for example, the application status, product details, and applicant information.

📘
More Information
For more information about the application process, see: Credit Applications and Origination.

Prerequisites

To integrate calls to the Get Credit Application by ID endpoint, you need:

Your own user interface, such as a mobile app or web page, to display application details to a user.
A valid application ID, returned as applicationId in the response when a credit application is created using the Create Credit Application or Submit Pre-Approved Application endpoint. Pass this value as the application_id path parameter below.

Example Request

Retrieve a credit application by making a GET request to the Get Credit Application by ID endpoint, passing the application ID as a path parameter.

GET {{baseUrl}}/api/v1/credit/applications/{application_id}

Path Parameters

Parameter	Type	Required	Description
`application_id`	string	Required	The unique ID of the application.

Example Response

A successful request returns a 200 HTTP code. The response is the application object itself — there is no wrapper object.

The structure of the response depends on the applicationType:

For standard review applications (applicationType: standard_review), the response follows the StandardReviewCreditApplicationResponse schema.
For pre-approved applications (applicationType: pre_approved), the response follows the PreApprovedCreditApplicationResponse schema, which includes additional fields for credit limit, cash limit, and interest rates.

📘
Note
If the application ID is invalid or not found, the system returns a 422 HTTP error and details of the validation failure.

{
  "applicationType": "standard_review",
  "applicationId": "app_123456",
  "accountHolderId": "ah_123456",
  "accountId": null,
  "status": "PENDED",
  "productId": "prod_123456",
  "title": "Ms",
  "firstName": "Known",
  "middleName": "Lee",
  "lastName": "Person",
  "nameSuffix": "JR",
  "dateOfBirth": {
    "year": 1990,
    "month": 4,
    "day": 15
  },
  "nationalId": {
    "idNumber": "123-45-6789",
    "idType": "SSN"
  },
  "customerType": "INDIVIDUAL",
  "gender": "FEMALE",
  "email": "[email protected]",
  "residentialAddress": {
    "addressLine1": "1234 Test St",
    "city": "Any Town",
    "state": "TX",
    "zipCode": "73301",
    "country": "US"
  },
  "phoneNumbers": {
    "mobile": "+14155552671",
    "primaryContact": "MOBILE"
  },
  "employmentStatus": "EMPLOYED",
  "occupation": "Administrator",
  "totalAnnualIncome": 72000,
  "monthlyRentOrMortgage": 1200,
  "bankAccounts": "CHECKING_AND_SAVINGS",
  "usCitizen": true,
  "dualCitizenship": false,
  "consent": true,
  "ipAddress": "10.0.0.0",
  "createdAt": 1736238041798277,
  "updatedAt": 1736238041798277,
  "clientAssignedId": 100123,
  "clientAssignedLocId": 200456,
  "employerName": null,
  "offers": [
    {
      "offerId": "offer_123456",
      "applicationId": "app_123456",
      "creditLimit": 5000,
      "apr": "24.99",
      "status": "PENDING",
      "receivedAt": "2025-01-07T09:15:00Z",
      "expiresAt": "2025-02-06T09:15:00Z",
      "respondedAt": null
    }
  ]
}

{
  "applicationType": "pre_approved",
  "applicationId": "app_789012",
  "accountHolderId": "ah_789012",
  "accountId": "acc_345678",
  "status": "APPROVED",
  "productId": "prod_123456",
  "title": "Ms",
  "firstName": "Known",
  "middleName": "Lee",
  "lastName": "Person",
  "nameSuffix": "JR",
  "dateOfBirth": {
    "year": 1990,
    "month": 4,
    "day": 15
  },
  "nationalId": {
    "idNumber": "123-45-6789",
    "idType": "SSN"
  },
  "customerType": "INDIVIDUAL",
  "gender": "FEMALE",
  "email": "[email protected]",
  "residentialAddress": {
    "addressLine1": "1234 Test St",
    "city": "Any Town",
    "state": "TX",
    "zipCode": "73301",
    "country": "US"
  },
  "phoneNumbers": {
    "mobile": "+14155552671",
    "primaryContact": "MOBILE"
  },
  "creditLimit": 5000,
  "cashLimit": 1000,
  "cashInterestRate": "24.99",
  "purchasesInterestRate": "19.99",
  "createdAt": 1736238041798277,
  "updatedAt": 1736238041798277,
  "clientAssignedId": 100123,
  "clientAssignedLocId": 200456,
  "employerName": "Acme Corp"
}

{
  "detail": [
    {
      "loc": ["path", "application_id"],
      "msg": "Field required",
      "type": "missing"
    }
  ]
}

Response Fields

The response contains all fields submitted at the time of application, plus the following response-only fields:

Field	Type	Description
`applicationType`	string	The type of application. Possible values: `standard_review`, `pre_approved`.
`applicationId`	string	The unique ID of the application.
`accountHolderId`	string	The unique ID of the account holder.
`accountId`	string	The unique ID of the line of credit account. `null` until an account is created.
`status`	string	The current status of the application. See Application Status below.
`createdAt`	integer	Unix timestamp in microseconds when the application was created.
`updatedAt`	integer	Unix timestamp in microseconds when the application was last updated.
`clientAssignedId`	integer	The identifier assigned to the customer record in the LoanPro LMS.
`clientAssignedLocId`	integer	The identifier assigned to the line of credit in the LoanPro LMS.
`employerName`	string	The name of the applicant's employer, if provided. May be null.

For pre-approved applications, the following additional fields are also returned:

Field	Type	Description
`creditLimit`	integer	The credit limit for the account.
`cashLimit`	integer	The cash advance limit for the account.
`cashInterestRate`	string	The interest rate for cash advances.
`purchasesInterestRate`	string	The interest rate for purchases.

For standard review applications, the following additional field is also returned:

Field	Type	Description
`offers`	array or null	The list of credit offers made against the application. `null` until an offer has been generated. See Offers below.

Offers

Each item in the offers array is an offer object with the following fields:

Field	Type	Description
`offerId`	string	The unique ID of the offer.
`applicationId`	string	The unique ID of the application the offer was made against.
`creditLimit`	integer	The credit limit offered.
`apr`	string	The annual percentage rate (APR) offered.
`status`	string	The current status of the offer. Possible values: `PENDING`, `ACCEPTED`, `DECLINED`, `EXPIRED`. Defaults to `PENDING`.
`receivedAt`	string	The date and time the offer was received, in ISO 8601 format.
`expiresAt`	string or null	The date and time the offer expires, if applicable.
`respondedAt`	string or null	The date and time the applicant responded to the offer, if applicable.

📘
More Information
To respond to an offer on behalf of the applicant, use the Respond to Line of Credit Offer endpoint.

📘
Note
customerId is only returned in the response when a pre-approved application is first created via Submit Pre-Approved Application. It is not included when retrieving the application later via this endpoint.
The optional applicant-detail fields available on pre-approved applications (employmentStatus, occupation, totalAnnualIncome, monthlyRentOrMortgage, bankAccounts, usCitizen, dualCitizenship, ipAddress) are also echoed back here if they were included at submission.

Application Status

Status	Description
`PENDED`	The application is under review, pending identity verification or manual review checks.
`OFFER_PENDING_ACCEPTANCE`	An offer has been generated and is awaiting the applicant's response. Applicants have 30 days to respond.
`OFFER_ACCEPTED`	The applicant has accepted the offer.
`OFFER_DECLINED`	The applicant has declined the offer.
`APPROVED`	The application has been approved and the line of credit has been created.
`DECLINED`	The application has been declined, for example due to failing credit, KYC, identity verification, or fraud checks.
`WITHDRAWN`	The offer expired without a response from the applicant.

📘
More Information
To view the full history of status changes for an application, use the Get Credit Application Timeline endpoint. For more information about the application process, see Credit Applications and Origination.

Early Access

More Information

Prerequisites

Example Request

Path Parameters

Example Response

Note

Response Fields

Offers

More Information

Note

Application Status

More Information

What’s Next