Loan Application

Submit a loan after a completed credit assessment, accept terms, set up the repayment mandate, or apply for multiple children at once.

Unlike the Partner API, these endpoints use EdPay’s own schoolId / studentId GUIDs, not your externalSchoolId / externalStudentId. Your UI typically gets these from EdPay’s own school/student selection screens (or from a prior lookup) rather than from your own system’s ids directly.

Submit loan application


POST /api/loans

One-shot submit. Same end state as the internal loan-draft submit.

Documents (product-gated)

Upload files via Utils → Upload file (POST /api/uploads), then pass the returned S3 key strings:

Product	Required keys
K-12 (partner / booked school)	`utilityBill` + `idCard`
Exam (ProfessionalBody)	`examInvoice`, `utilityBill`, `bankStatement`, `idCard`, `payslips`, not `admissionLetter`
Graduate (Institution)	same as Exam plus `admissionLetter`

otherDocuments is always optional.

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer {parentAccessToken}`
`Content-Type`	`application/json`

Request body

Field	Description
`schoolId` / `studentId`	EdPay GUIDs for the school and student.
`creditAssessmentId`	Optional, from a Completed credit assessment. Omit to submit into manual review.
`loanType`	`Termly` or `Session`.
`term`	e.g. `"FirstTerm"`.
`academicSession`	e.g. `"2025/2026"`.
`tenure`	`OneMonth` … `SixteenMonths`.
`utilityBill` / `idCard`	S3 keys from Upload file, required for K-12.
`requestedAmount`	Optional, partial K-12 fees need at least 40% of the catalog amount; institution fees can request up to `maxCustomAmount`. Omit (`null`) to request the full catalog amount.
`nextOfKin`	`name`, `phone`, `relationship`, `occupation`.

Sample below is K-12 (typical partner school):


{
  "schoolId": "00000000-0000-0000-0000-000000000010",
  "studentId": "00000000-0000-0000-0000-000000000011",
  "creditAssessmentId": "{{assessmentId}}",
  "loanType": "Termly",
  "term": "FirstTerm",
  "academicSession": "2025/2026",
  "tenure": "SixMonths",
  "utilityBill": "{{utilityBillKey}}",
  "idCard": "{{idCardKey}}",
  "requestedAmount": null,
  "nextOfKin": {
    "name": "Ngozi Eze",
    "phone": "08012345678",
    "relationship": "Spouse",
    "occupation": "Teacher"
  }
}

Response `201`


{
  "success": true,
  "message": "Resource created successfully",
  "data": {
    "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "applicationNumber": "LN-20250901-0001",
    "schoolName": "Greenfield Academy",
    "studentName": "Ada Eze",
    "className": "JSS 2",
    "academicSession": "2025/2026",
    "loanType": "Termly",
    "term": "FirstTerm",
    "tuitionAmount": 250000.00,
    "discountAmount": 0,
    "loanAmount": 250000.00,
    "isCustomAmount": false,
    "interestRate": 12.5,
    "totalRepayableAmount": 281250.00,
    "monthlyRepaymentAmount": 46875.00,
    "tenure": "SixMonths",
    "tenureMonths": 6,
    "status": "Submitted",
    "termsAccepted": false,
    "isMandateSetup": false,
    "isDisbursed": false,
    "outstandingBalance": 281250.00,
    "createdAt": "2025-09-01T10:30:00Z",
    "monthlyInterestRatePercent": 2.08,
    "totalInterestAmount": 31250.00,
    "insuranceFeePercent": 0,
    "insuranceFeeAmount": 0,
    "firstInstallmentAmount": 46875.00
  },
  "errors": [],
  "statusCode": 201
}

Field	Description
`id`	This is `{loanId}` in every other endpoint on this page.
`applicationNumber`	Human-readable reference.
`status`	Starts at `Submitted`, see Key enums for the full list.
`termsAccepted` / `isMandateSetup` / `isDisbursed`	Flip to `true` as the parent completes Accept terms and Setup repayment mandate, and once EdPay disburses.
`totalRepayableAmount` / `monthlyRepaymentAmount` / `outstandingBalance`	The financing breakdown, interest included.

Try it

POST/api/loans

Accept terms


POST /api/loans/{loanId}/accept-terms

Parent accepts the loan’s terms and conditions. Required before mandate setup when status is Submitted.

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer {parentAccessToken}`
`Content-Type`	`application/json`

Request body

Empty, this is a confirmation call.

{}

Response `200`


{
  "success": true,
  "message": "Request successful",
  "data": "Terms and conditions accepted.",
  "errors": [],
  "statusCode": 200
}

Note data here is a plain string, not an object, unlike most other endpoints on this page.

Try it

POST/api/loans/00000000-0000-0000-0000-000000000001/accept-terms

Setup repayment mandate


POST /api/loans/{loanId}/setup-mandate

Initialize the direct-debit mandate. Body needs parent address (saved on the profile if empty). Bank account is chosen during Mono authorization, do not send accountNumber / bankCode.

Response includes authorizationUrl, redirect the parent there, then poll Verify mandate.

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer {parentAccessToken}`
`Content-Type`	`application/json`

Request body

Field	Description
`loanApplicationId`	Same as `{loanId}` in the path.
`address`	Parent address, saved on profile if empty.


{
  "loanApplicationId": "{{loanId}}",
  "address": "12 Example Street, Ikeja, Lagos"
}

Response `200`


{
  "success": true,
  "message": "Request successful",
  "data": {
    "mandateId": "mono_mandate_abc123",
    "authorizationUrl": "https://connect.withmono.com/mandate/authorize/xyz789",
    "message": "Mandate initiated. Please complete authorization via the provided URL."
  },
  "errors": [],
  "statusCode": 200
}

Field	Description
`authorizationUrl`	Redirect the parent here to complete bank authorization.
`mandateId`	Reference for the mandate provider.

Try it

POST/api/loans/00000000-0000-0000-0000-000000000001/setup-mandate

Verify mandate


GET /api/loans/mandates/verify?reference={loanId}

Poll after the Mono mandate redirect (?reference=...&status=...). Confirms mandate activation on the loan.

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer {parentAccessToken}`

Query

Param	Description
`reference`	Usually the `{loanId}` from setup.

Try it

GET/api/loans/mandates/verify

Submit batch loan (multi-child)


POST /api/loans/batch

K-12 multi-child only. Same docs as single K-12 application: utilityBill + idCard from Upload file, applied to every loan in the batch.

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer {parentAccessToken}`
`Content-Type`	`application/json`

Request body

Field	Description
`schoolId`	EdPay GUID, same school for every child in the batch.
`creditAssessmentId`	From a Completed credit assessment (optional, omit for manual review).
`loanType` / `term` / `academicSession` / `tenure`	Same meaning as Submit loan application.
`utilityBill` / `idCard`	S3 keys from Upload file.
`students`	Array of `{ studentId, requestedAmount }`.
`nextOfKin`	Optional, same shape as Submit loan application, or `null`.


{
  "schoolId": "00000000-0000-0000-0000-000000000010",
  "creditAssessmentId": "{{assessmentId}}",
  "loanType": "Termly",
  "term": "FirstTerm",
  "academicSession": "2025/2026",
  "tenure": "SixMonths",
  "utilityBill": "{{utilityBillKey}}",
  "idCard": "{{idCardKey}}",
  "students": [
    { "studentId": "00000000-0000-0000-0000-000000000011", "requestedAmount": null },
    { "studentId": "00000000-0000-0000-0000-000000000012", "requestedAmount": 120000 }
  ],
  "nextOfKin": null
}

Response `201`


{
  "success": true,
  "message": "Resource created successfully",
  "data": {
    "batchId": "b8e3f1a2-4c5d-6e7f-8a9b-0c1d2e3f4a5b",
    "batchReference": "BATCH-20250901-0001",
    "schoolName": "Greenfield Academy",
    "totalLoanAmount": 470000.00,
    "totalCatalogAmount": 500000.00,
    "studentCount": 2,
    "loans": [
      {
        "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
        "applicationNumber": "LN-20250901-0001",
        "schoolName": "Greenfield Academy",
        "studentName": "Ada Eze",
        "className": "JSS 2",
        "academicSession": "2025/2026",
        "loanType": "Termly",
        "term": "FirstTerm",
        "tuitionAmount": 250000.00,
        "discountAmount": 0,
        "loanAmount": 250000.00,
        "isCustomAmount": false,
        "interestRate": 12.5,
        "totalRepayableAmount": 281250.00,
        "monthlyRepaymentAmount": 46875.00,
        "tenure": "SixMonths",
        "tenureMonths": 6,
        "status": "Submitted",
        "termsAccepted": false,
        "isMandateSetup": false,
        "isDisbursed": false,
        "outstandingBalance": 281250.00,
        "createdAt": "2025-09-01T10:30:00Z",
        "monthlyInterestRatePercent": 2.08,
        "totalInterestAmount": 31250.00,
        "insuranceFeePercent": 0,
        "insuranceFeeAmount": 0,
        "firstInstallmentAmount": 46875.00
      },
      {
        "id": "c3d4e5f6-a7b8-9012-cdef-345678901234",
        "applicationNumber": "LN-20250901-0002",
        "schoolName": "Greenfield Academy",
        "studentName": "Chidi Eze",
        "className": "Primary 4",
        "academicSession": "2025/2026",
        "loanType": "Termly",
        "term": "FirstTerm",
        "tuitionAmount": 250000.00,
        "discountAmount": 0,
        "loanAmount": 220000.00,
        "isCustomAmount": true,
        "interestRate": 12.5,
        "totalRepayableAmount": 247500.00,
        "monthlyRepaymentAmount": 41250.00,
        "tenure": "SixMonths",
        "tenureMonths": 6,
        "status": "Submitted",
        "termsAccepted": false,
        "isMandateSetup": false,
        "isDisbursed": false,
        "outstandingBalance": 247500.00,
        "createdAt": "2025-09-01T10:30:00Z",
        "monthlyInterestRatePercent": 2.08,
        "totalInterestAmount": 27500.00,
        "insuranceFeePercent": 0,
        "insuranceFeeAmount": 0,
        "firstInstallmentAmount": 41250.00
      }
    ]
  },
  "errors": [],
  "statusCode": 201
}

Each entry in loans is shaped exactly like Submit loan application’s data, isCustomAmount: true here reflects the second child’s explicit requestedAmount.

Try it

POST/api/loans/batch

Get loan batch


GET /api/loans/batch/{batchId}

Detail for a multi-student batch application.

Headers

Header	Value
`Accept`	`application/json`
`Authorization`	`Bearer {parentAccessToken}`

Response `200`

Same shape as Submit batch loan’s data above.

Try it

GET/api/loans/batch/00000000-0000-0000-0000-000000000003

Loan Application

Submit loan application

Documents (product-gated)

Headers

Request body

Response 201

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Accept terms

Headers

Request body

Response 200

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Setup repayment mandate

Headers

Request body

Response 200

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Verify mandate

Headers

Query

Try it

Submit batch loan (multi-child)

Headers

Request body

Response 201

Try it

Get loan batch

Headers

Response 200

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Response `201`

Response `200`

Response `200`

Response `201`

Response `200`