Update Loan - Finosu

cURL

curl --request PUT \
  --url https://api.example.com/loans/{id} \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "originalFundedAmount": 123,
  "originalTotalOwed": 123,
  "interestRate": 123,
  "apr": 123,
  "originationDate": "2023-12-25",
  "startDate": "2023-12-25",
  "totalBalance": 123,
  "payoffAmount": 123,
  "totalPayoffAmount": 123,
  "balanceAtTransfer": 123,
  "preTransferPayments": 123,
  "dueDate": "2023-12-25",
  "stopServicingReason": "<string>",
  "isSettled": true,
  "chargeoffDate": "2023-12-25",
  "chargeoffAmount": 123,
  "autopayEnabled": true,
  "noCallReason": "<string>",
  "noTextReason": "<string>",
  "noEmailReason": "<string>",
  "isVisibleInBorrowerPortal": true,
  "daysPastDueAtBoarding": 123,
  "daysSinceOriginationAtBoarding": 123,
  "externalLmsMetadata": {}
}
'

{
  "id": "<string>",
  "customerId": "<string>",
  "type": "<string>",
  "applicationStatus": "<string>",
  "originalFundedAmount": 123,
  "originalTotalOwed": 123,
  "interestRate": 123,
  "apr": 123,
  "originationDate": "2023-12-25",
  "startDate": "2023-12-25",
  "totalBalance": 123,
  "payoffAmount": 123,
  "totalPayoffAmount": 123,
  "balanceAtTransfer": 123,
  "preTransferPayments": 123,
  "amountDue": 123,
  "dueDate": "<string>",
  "servicingStatus": "<string>",
  "stopServicingReason": "<string>",
  "isSettled": true,
  "chargeoffDate": "<string>",
  "chargeoffAmount": 123,
  "autopayEnabled": true,
  "noCallReason": "<string>",
  "noTextReason": "<string>",
  "noEmailReason": "<string>",
  "isVisibleInBorrowerPortal": true,
  "daysPastDueAtBoarding": 123,
  "daysSinceOriginationAtBoarding": 123,
  "externalLmsMetadata": {},
  "portfolioId": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "paymentPlanMinPercentage": 123,
  "paymentPlanMaxPercentage": 123,
  "taskType": "<string>"
}

PUT

loans

{id}

cURL

curl --request PUT \
  --url https://api.example.com/loans/{id} \
  --header 'Content-Type: application/json' \
  --header 'X-API-Key: <api-key>' \
  --data '
{
  "originalFundedAmount": 123,
  "originalTotalOwed": 123,
  "interestRate": 123,
  "apr": 123,
  "originationDate": "2023-12-25",
  "startDate": "2023-12-25",
  "totalBalance": 123,
  "payoffAmount": 123,
  "totalPayoffAmount": 123,
  "balanceAtTransfer": 123,
  "preTransferPayments": 123,
  "dueDate": "2023-12-25",
  "stopServicingReason": "<string>",
  "isSettled": true,
  "chargeoffDate": "2023-12-25",
  "chargeoffAmount": 123,
  "autopayEnabled": true,
  "noCallReason": "<string>",
  "noTextReason": "<string>",
  "noEmailReason": "<string>",
  "isVisibleInBorrowerPortal": true,
  "daysPastDueAtBoarding": 123,
  "daysSinceOriginationAtBoarding": 123,
  "externalLmsMetadata": {}
}
'

{
  "id": "<string>",
  "customerId": "<string>",
  "type": "<string>",
  "applicationStatus": "<string>",
  "originalFundedAmount": 123,
  "originalTotalOwed": 123,
  "interestRate": 123,
  "apr": 123,
  "originationDate": "2023-12-25",
  "startDate": "2023-12-25",
  "totalBalance": 123,
  "payoffAmount": 123,
  "totalPayoffAmount": 123,
  "balanceAtTransfer": 123,
  "preTransferPayments": 123,
  "amountDue": 123,
  "dueDate": "<string>",
  "servicingStatus": "<string>",
  "stopServicingReason": "<string>",
  "isSettled": true,
  "chargeoffDate": "<string>",
  "chargeoffAmount": 123,
  "autopayEnabled": true,
  "noCallReason": "<string>",
  "noTextReason": "<string>",
  "noEmailReason": "<string>",
  "isVisibleInBorrowerPortal": true,
  "daysPastDueAtBoarding": 123,
  "daysSinceOriginationAtBoarding": 123,
  "externalLmsMetadata": {},
  "portfolioId": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
  "paymentPlanMinPercentage": 123,
  "paymentPlanMaxPercentage": 123,
  "taskType": "<string>"
}

Overview

Partially update a loan by its external reference ID. Only the fields that changed need to be sent — omitted fields are left unchanged.

Immutable Fields

The following fields cannot be changed via this endpoint:

id — The external loan reference (used as the path parameter)
customerId — The customer linkage
amountDue — The origination amount set at creation

Servicing Status Transitions

Setting servicingStatus to NOT_SERVICING via this endpoint also cancels all scheduled payments and communications for the loan, matching the behavior of POST /loans/{id}/cancel-servicing. You can optionally include stopServicingReason (defaults to API_REQUEST). For stopping servicing specifically, the dedicated POST /loans/{id}/cancel-servicing endpoint remains the primary path.

Request Body

Only send the fields you want to update:

{
  "totalBalance": 300.00,
  "payoffAmount": 300.00,
  "isSettled": false
}

Transition to NOT_SERVICING:

{
  "servicingStatus": "NOT_SERVICING",
  "stopServicingReason": "PAID_OFF"
}

Error Responses

Status Code	Description
400	Invalid enum value
404	Loan not found
500	Internal server error

Authorizations

X-API-Key

string

header

required

Path Parameters

string

required

External reference ID of the loan

Body

application/json

Fields to update

Partial update. Only send fields that changed. id, customerId, amountDue cannot be changed.

type

enum<string>

Available options:

CASH_ADVANCE,

PERSONAL_LOAN,

INSTALLMENT_LOAN

applicationStatus

enum<string>

Available options:

PENDING,

APPROVED,

FUNDED,

WITHDRAWN,

REJECTED

originalFundedAmount

number

originalTotalOwed

number

interestRate

number

apr

number

originationDate

string<date>

startDate

string<date>

totalBalance

number

payoffAmount

number

totalPayoffAmount

number

balanceAtTransfer

number

preTransferPayments

number

dueDate

string<date>

servicingStatus

enum<string>

Available options:

ACTIVE,

NOT_SERVICING

stopServicingReason

string

isSettled

boolean

chargeoffDate

string<date>

chargeoffAmount

number

autopayEnabled

boolean

noCallReason

string

noTextReason

string

noEmailReason

string

isVisibleInBorrowerPortal

boolean

daysPastDueAtBoarding

integer

daysSinceOriginationAtBoarding

integer

externalLmsMetadata

object

Response

Loan updated

string

External loan reference ID

customerId

string

External customer reference ID

type

string

applicationStatus

string

originalFundedAmount

number

originalTotalOwed

number

interestRate

number

apr

number

originationDate

string<date>

startDate

string<date>

totalBalance

number

payoffAmount

number

totalPayoffAmount

number

balanceAtTransfer

number

preTransferPayments

number

amountDue

number

dueDate

string

servicingStatus

string

stopServicingReason

string

isSettled

boolean

chargeoffDate

string

chargeoffAmount

number

autopayEnabled

boolean

noCallReason

string

noTextReason

string

noEmailReason

string

isVisibleInBorrowerPortal

boolean

daysPastDueAtBoarding

integer

daysSinceOriginationAtBoarding

integer

externalLmsMetadata

object

portfolioId

string<uuid>

paymentPlanMinPercentage

number

paymentPlanMaxPercentage

number

taskType

string

Create Loan Delete Loan

​Overview

​Immutable Fields

​Servicing Status Transitions

​Request Body

​Error Responses

Authorizations

Path Parameters

Body

Response

Overview

Immutable Fields

Servicing Status Transitions

Request Body

Error Responses