Import existing loans onto a line

POST/api/v1/credit/lines/{credit_line_id}/loans/import

Launch with live cards and open loans (D-29): loads loans that already exist on the partner's previous system with their paid buckets and interest to date, keyed by the original issuer transaction id so attribution survives the migration (D-33). Idempotent on that id; one bad row is rejected without sinking the batch. Daily accrual resumes from the day after accrued_through. Operator action: an API token receives 403.

Operation ID: import_loans·View as markdown·OpenAPI slice

Authentication

Bearer token authentication. Pass your DayZero API token in the Authorization header and the target business UUID in x-business-id.

Parameters

Path

credit_line_idstringrequired

Request body

Schema: LoanImportRequest

as_ofstring · date: Status is assessed as at this date.
dry_runboolean: Validate every row and report the totals without writing anything. No loan, ledger entry or event survives a dry run.
expected_countinteger: Rows the source file holds. A different count writes nothing.
expected_principal_centsinteger: Original principal summed over the source file.
expected_outstanding_centsinteger: Outstanding balance summed over the source file: principal, fee and accrued interest, less what was paid or credited. Written-off loans count as zero.
allow_cross_line_duplicatesboolean: A row whose original transaction id is already on a different line of the same program is rejected, since it is most likely a loan imported before under another merchant key. Set true to load it anyway; the result carries a note.
loansarray · LoanImportItem | objectrequired

Responses

201Successful Response

Schema: SuccessEnvelope_LoanImportResponse_

successboolean
messagestring
codestring
dataLoanImportResponse

400Bad Request - Invalid input

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

401Unauthorized - Missing or expired token, an MCP OAuth token used against the REST API, or no access to this business

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

403Forbidden - Insufficient permissions

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

404Not Found - Resource does not exist

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

422Validation Error

Schema: ErrorResponse

errorstringrequired: Error category: validation_error, unauthorized, forbidden, not_found, conflict, rate_limited, server_error, or service_unavailable.
messagestringrequired: Human-readable explanation, safe to show to end users.
codestringrequired: Stable machine-readable code in CATEGORY_NNN form (e.g. NOT_FOUND_006, AUTH_010, GEN_002).
request_idstring: Correlation id for support requests. Echoes the x-request-id request header when one was supplied.
errorsobject: Field-level validation messages keyed by field name. Present on 400/422 validation failures only.

Code samples

POST/api/v1/credit/lines/{credit_line_id}/loans/import

bash

curl -X POST 'https://api.ondayzero.com/api/v1/credit/lines/{credit_line_id}/loans/import' \
  -H 'Authorization: Bearer dz_your_token' \
  -H 'x-business-id: YOUR_BUSINESS_ID' \
  -H 'Content-Type: application/json' \
  -d '{
  "loans": []
}'