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Before submitting a loan request, you can check whether you are eligible for a specific amount. The eligibility check evaluates your current savings balance and any existing loans to give you a clear picture of what you can borrow. This prevents failed submissions and helps you offer members an accurate loan request form.
This endpoint is authenticated. It always evaluates the currently logged-in member — you cannot check eligibility on behalf of another member.
Always call this endpoint before displaying the loan request form to your users. It tells you the maximum amount to allow in the form’s amount field and surfaces any blocking conditions (such as an existing active loan) before the member fills out and submits the full request.

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Request body

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number
required
The loan amount you want to check. The API evaluates whether this specific amount is within your borrowing limit.
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number
required
The intended repayment duration in months. Used alongside amount when assessing the request.

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Response fields

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boolean
required
true if you can borrow the requested amount, false otherwise.
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number
required
The maximum amount you are currently eligible to borrow. Calculated as your total contributions multiplied by the group’s loan multiplier (typically 3×), capped at the group’s configured maximum loan limit.
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string
Present only when is_eligible is false. Explains why the request would be declined. Possible values:
  • "Member already has an active or pending loan." — you must fully repay your existing loan before requesting a new one.
  • "Requested amount exceeds MAX eligibility of <amount> (3x Savings)." — the amount you requested is higher than 3× your total contributions.

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Example

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Sample responses

Eligible member
Ineligible — existing active loan
Ineligible — amount exceeds savings multiplier