Loan Application Status Notification

Use Case

Use this webhook when the lender needs to notify Fundiin of status changes for a loan application, from receipt through disbursement, activation, and closure.

Integration: TRIAL + STANDARD

Request

POST /lender/open/notify/loan-application-status

See Lender Notification API Overview for base URL, request headers, HMAC signature, common request fields, idempotency, and response format.

Request Body

The request body includes the Common Request Fields plus the fields below.

Parameter	Type	Required	Description
loanStatus	String		Loan status. See Loan Status Values.
lenderReferenceId	String		Stable application or loan identifier generated by the lender. Use one value across status updates for the same customer application or loan.
virtualAccount	JsonObject	Conditional	Virtual account details for customer repayment. Required when loanStatus = DISBURSED. See Data of virtualAccount.
contractNumber	String	Conditional	Contract number. Required when a contract has been created.
contractSigningUrl	String	Conditional	URL for the customer to sign the contract. Required when loanStatus = SIGNING_IN_PROGRESS.
contractSigningUrlExpiry	Timestamp	Conditional	Expiry time of contractSigningUrl. Format: yyyy-MM-ddTHH:mm:ss+0700.
contractUrl	String	Conditional	Signed contract document URL. Required when the contract has been signed.
errorCode	String	Conditional	Required when loanStatus = REJECTED or loanStatus = CANCELLED.
errorMessage	String	Conditional	Human-readable error description. Required when errorCode is returned.
terminationReason	String	Conditional	Lender-defined reason code for rejection, cancellation, or closure. Follow the lender's reason code set. Example values only: FRAUD, NOT_ELIGIBLE, USER_INVALID.
isReapplyAllowed	Boolean	Conditional	Whether the customer can reapply after rejection. Required when loanStatus = REJECTED.
reapplyAllowedFrom	Timestamp	Conditional	Earliest datetime the customer can reapply. Format: yyyy-MM-ddTHH:mm:ss+0700.

Data of virtualAccount

Attribute	Type	Required	Description
accountNumber	String		Virtual account number for customer repayment.
accountName	String	Conditional	Virtual account name or beneficiary name, if available.
bankCode	String	Conditional	Bank code, if available.
bankName	String	Conditional	Bank display name, if available.

Loan Status Values

Code	Description
RECEIVED	Lender received the loan application submitted by Fundiin.
PROCESSING	Lender is processing the loan application or disbursement request.
APPROVED	Lender approved the loan application.
REJECTED	Lender rejected the loan application. Populate errorCode and errorMessage.
CANCELLED	Loan application was cancelled before disbursement. Populate errorCode and errorMessage when applicable.
SIGNING_IN_PROGRESS	Customer can sign the contract.
DISBURSED	Lender has disbursed the loan. Populate lenderReferenceId and virtualAccount.
CLOSED	Loan has been fully repaid and has no remaining outstanding balance.

Example Requests

DISBURSED

{
  "requestId": "WH_REQ_202505300001",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-05-30T10:15:00+0700",
  "loanStatus": "DISBURSED",
  "lenderReferenceId": "LN20250530001",
  "virtualAccount": {
    "accountNumber": "9901234567890",
    "accountName": "NGUYEN VAN A",
    "bankCode": "VCB",
    "bankName": "Vietcombank"
  },
  "contractNumber": "CNTR20250530001",
  "contractUrl": "https://lender.example.com/contracts/CNTR20250530001",
  "contractSigningUrl": null,
  "contractSigningUrlExpiry": null,
  "errorCode": null,
  "errorMessage": null,
  "terminationReason": null,
  "isReapplyAllowed": false,
  "reapplyAllowedFrom": null
}

REJECTED with reapply window

{
  "requestId": "WH_REQ_202505300002",
  "fundiinApplicationId": "APP1234567890",
  "lenderCode": "LENDER_A",
  "requestingDatetime": "2025-05-30T10:15:00+0700",
  "loanStatus": "REJECTED",
  "lenderReferenceId": "LN20250530001",
  "virtualAccount": null,
  "contractNumber": null,
  "contractUrl": null,
  "contractSigningUrl": null,
  "contractSigningUrlExpiry": null,
  "errorCode": "CREDIT_SCORE_TOO_LOW",
  "errorMessage": "Customer credit score does not meet minimum requirement.",
  "terminationReason": "NOT_ELIGIBLE",
  "isReapplyAllowed": true,
  "reapplyAllowedFrom": "2025-06-30T00:00:00+0700"
}

Response

See Common Response.